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$49,929
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,483
−HK$1,577/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$56,289
+HK$3,229/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,546
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,036
−HK$1,511/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$61,633
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,094/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,915
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,779
−HK$1,894/mo
Today · 4.125%
HK$63,673
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,346/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$1,813/mo
Today · 4.125%
HK$70,256
baseline
▲ 0.50% · 4.625%
HK$73,960
+HK$3,704/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,512/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,901
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,076
−HK$2,209/mo
Today · 4.125%
HK$74,285
baseline
▲ 0.50% · 4.625%
HK$78,805
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,570/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,764
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,850
−HK$2,116/mo
Today · 4.125%
HK$81,966
baseline
▲ 0.50% · 4.625%
HK$86,286
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,932/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,873
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,669
−HK$2,840/mo
Today · 4.125%
HK$95,509
baseline
▲ 0.50% · 4.625%
HK$101,320
+HK$5,811/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,018/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,983
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,664
−HK$2,721/mo
Today · 4.125%
HK$105,385
baseline
▲ 0.50% · 4.625%
HK$110,939
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,770/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,598 · Scale 2, in force from 26 Feb 2026)