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$49,841
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,392
−HK$1,575/mo
Today · 4.125%
HK$52,967
baseline
▲ 0.50% · 4.625%
HK$56,190
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,934/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,448
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,935
−HK$1,509/mo
Today · 4.125%
HK$58,444
baseline
▲ 0.50% · 4.625%
HK$61,524
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,888/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,810
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,670
−HK$1,890/mo
Today · 4.125%
HK$63,560
baseline
▲ 0.50% · 4.625%
HK$67,428
+HK$3,868/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,120/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,538
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,322
−HK$1,811/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$73,829
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,778
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,949
−HK$2,205/mo
Today · 4.125%
HK$74,154
baseline
▲ 0.50% · 4.625%
HK$78,666
+HK$4,512/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,308/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,627
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,709
−HK$2,112/mo
Today · 4.125%
HK$81,821
baseline
▲ 0.50% · 4.625%
HK$86,134
+HK$4,313/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,642/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,715
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,505
−HK$2,836/mo
Today · 4.125%
HK$95,341
baseline
▲ 0.50% · 4.625%
HK$101,142
+HK$5,801/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,682/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,807
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,483
−HK$2,716/mo
Today · 4.125%
HK$105,199
baseline
▲ 0.50% · 4.625%
HK$110,744
+HK$5,545/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,398/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,958 · Scale 2, in force from 26 Feb 2026)