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$49,927
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,480
−HK$1,578/mo
Today · 4.125%
HK$53,058
baseline
▲ 0.50% · 4.625%
HK$56,286
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,116/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,543
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,033
−HK$1,511/mo
Today · 4.125%
HK$58,544
baseline
▲ 0.50% · 4.625%
HK$61,630
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,088/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,912
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,776
−HK$1,893/mo
Today · 4.125%
HK$63,669
baseline
▲ 0.50% · 4.625%
HK$67,543
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,338/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,652
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,439
−HK$1,814/mo
Today · 4.125%
HK$70,253
baseline
▲ 0.50% · 4.625%
HK$73,956
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,506/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,898
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,072
−HK$2,209/mo
Today · 4.125%
HK$74,281
baseline
▲ 0.50% · 4.625%
HK$78,801
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,562/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,760
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,846
−HK$2,116/mo
Today · 4.125%
HK$81,962
baseline
▲ 0.50% · 4.625%
HK$86,282
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,924/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,868
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,664
−HK$2,840/mo
Today · 4.125%
HK$95,504
baseline
▲ 0.50% · 4.625%
HK$101,315
+HK$5,811/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,008/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,978
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,659
−HK$2,720/mo
Today · 4.125%
HK$105,379
baseline
▲ 0.50% · 4.625%
HK$110,934
+HK$5,555/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,758/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,550 · Scale 2, in force from 26 Feb 2026)