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$49,864
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,415
−HK$1,576/mo
Today · 4.125%
HK$52,991
baseline
▲ 0.50% · 4.625%
HK$56,215
+HK$3,224/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,982/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,473
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,961
−HK$1,509/mo
Today · 4.125%
HK$58,470
baseline
▲ 0.50% · 4.625%
HK$61,552
+HK$3,082/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,940/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,837
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,698
−HK$1,891/mo
Today · 4.125%
HK$63,589
baseline
▲ 0.50% · 4.625%
HK$67,458
+HK$3,869/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,178/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,568
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,353
−HK$1,811/mo
Today · 4.125%
HK$70,164
baseline
▲ 0.50% · 4.625%
HK$73,863
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,328/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,809
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,981
−HK$2,206/mo
Today · 4.125%
HK$74,187
baseline
▲ 0.50% · 4.625%
HK$78,701
+HK$4,514/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,374/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,662
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,745
−HK$2,113/mo
Today · 4.125%
HK$81,858
baseline
▲ 0.50% · 4.625%
HK$86,173
+HK$4,315/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,716/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,755
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,547
−HK$2,836/mo
Today · 4.125%
HK$95,383
baseline
▲ 0.50% · 4.625%
HK$101,187
+HK$5,804/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,766/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,852
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,530
−HK$2,716/mo
Today · 4.125%
HK$105,246
baseline
▲ 0.50% · 4.625%
HK$110,794
+HK$5,548/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,492/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,376 · Scale 2, in force from 26 Feb 2026)