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$49,979
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,579/mo
Today · 4.125%
HK$53,113
baseline
▲ 0.50% · 4.625%
HK$56,345
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,226/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,601
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,092
−HK$1,513/mo
Today · 4.125%
HK$58,605
baseline
▲ 0.50% · 4.625%
HK$61,694
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,210/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,975
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,896/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,878/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,721
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,511
−HK$1,815/mo
Today · 4.125%
HK$70,326
baseline
▲ 0.50% · 4.625%
HK$74,033
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,652/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,970
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,147
−HK$2,211/mo
Today · 4.125%
HK$74,358
baseline
▲ 0.50% · 4.625%
HK$78,883
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$148,716/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,841
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,929
−HK$2,118/mo
Today · 4.125%
HK$82,047
baseline
▲ 0.50% · 4.625%
HK$86,372
+HK$4,325/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$164,094/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,962
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,760
−HK$2,843/mo
Today · 4.125%
HK$95,603
baseline
▲ 0.50% · 4.625%
HK$101,421
+HK$5,818/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,206/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,082
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,766
−HK$2,723/mo
Today · 4.125%
HK$105,489
baseline
▲ 0.50% · 4.625%
HK$111,049
+HK$5,560/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$210,978/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,520 · Scale 2, in force from 26 Feb 2026)