The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,960
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,514
−HK$1,579/mo
Today · 4.125%
HK$53,093
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,186/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,580
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,070
−HK$1,513/mo
Today · 4.125%
HK$58,583
baseline
▲ 0.50% · 4.625%
HK$61,671
+HK$3,088/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,166/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,952
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,817
−HK$1,894/mo
Today · 4.125%
HK$63,711
baseline
▲ 0.50% · 4.625%
HK$67,588
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,422/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,696
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,485
−HK$1,814/mo
Today · 4.125%
HK$70,299
baseline
▲ 0.50% · 4.625%
HK$74,005
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,598/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,944
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,119
−HK$2,211/mo
Today · 4.125%
HK$74,330
baseline
▲ 0.50% · 4.625%
HK$78,853
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,660/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,812
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,899
−HK$2,117/mo
Today · 4.125%
HK$82,016
baseline
▲ 0.50% · 4.625%
HK$86,339
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,032/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,928
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,725
−HK$2,842/mo
Today · 4.125%
HK$95,567
baseline
▲ 0.50% · 4.625%
HK$101,382
+HK$5,815/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,134/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,044
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,727
−HK$2,722/mo
Today · 4.125%
HK$105,449
baseline
▲ 0.50% · 4.625%
HK$111,007
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,898/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,165 · Scale 2, in force from 26 Feb 2026)