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$49,933
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,486
−HK$1,579/mo
Today · 4.125%
HK$53,065
baseline
▲ 0.50% · 4.625%
HK$56,293
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,130/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,550
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,040
−HK$1,511/mo
Today · 4.125%
HK$58,551
baseline
▲ 0.50% · 4.625%
HK$61,638
+HK$3,087/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,102/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,920
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,784
−HK$1,893/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,552
+HK$3,875/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,660
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,448
−HK$1,814/mo
Today · 4.125%
HK$70,262
baseline
▲ 0.50% · 4.625%
HK$73,965
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,524/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,907
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,081
−HK$2,209/mo
Today · 4.125%
HK$74,290
baseline
▲ 0.50% · 4.625%
HK$78,811
+HK$4,521/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,580/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,770
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,856
−HK$2,116/mo
Today · 4.125%
HK$81,972
baseline
▲ 0.50% · 4.625%
HK$86,293
+HK$4,321/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,944/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,880
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,676
−HK$2,840/mo
Today · 4.125%
HK$95,516
baseline
▲ 0.50% · 4.625%
HK$101,328
+HK$5,812/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,032/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,990
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,672
−HK$2,721/mo
Today · 4.125%
HK$105,393
baseline
▲ 0.50% · 4.625%
HK$110,948
+HK$5,555/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,786/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,669 · Scale 2, in force from 26 Feb 2026)