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$49,875
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,576/mo
Today · 4.125%
HK$53,003
baseline
▲ 0.50% · 4.625%
HK$56,228
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,006/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,486
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,974
−HK$1,509/mo
Today · 4.125%
HK$58,483
baseline
▲ 0.50% · 4.625%
HK$61,566
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,966/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,850
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,712
−HK$1,891/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$67,474
+HK$3,871/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,583
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,369
−HK$1,811/mo
Today · 4.125%
HK$70,180
baseline
▲ 0.50% · 4.625%
HK$73,879
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,360/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,825
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,997
−HK$2,207/mo
Today · 4.125%
HK$74,204
baseline
▲ 0.50% · 4.625%
HK$78,719
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,408/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,680
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,763
−HK$2,114/mo
Today · 4.125%
HK$81,877
baseline
▲ 0.50% · 4.625%
HK$86,193
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,754/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,775
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,568
−HK$2,837/mo
Today · 4.125%
HK$95,405
baseline
▲ 0.50% · 4.625%
HK$101,210
+HK$5,805/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,810/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,874
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,553
−HK$2,717/mo
Today · 4.125%
HK$105,270
baseline
▲ 0.50% · 4.625%
HK$110,819
+HK$5,549/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,540/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,587 · Scale 2, in force from 26 Feb 2026)