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$49,879
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,430
−HK$1,577/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$56,232
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,490
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,978
−HK$1,510/mo
Today · 4.125%
HK$58,488
baseline
▲ 0.50% · 4.625%
HK$61,571
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,976/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,855
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,717
−HK$1,891/mo
Today · 4.125%
HK$63,608
baseline
▲ 0.50% · 4.625%
HK$67,479
+HK$3,871/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,216/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,588
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,374
−HK$1,811/mo
Today · 4.125%
HK$70,185
baseline
▲ 0.50% · 4.625%
HK$73,885
+HK$3,700/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,370/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,830
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,003
−HK$2,206/mo
Today · 4.125%
HK$74,209
baseline
▲ 0.50% · 4.625%
HK$78,725
+HK$4,516/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,418/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,686
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,769
−HK$2,114/mo
Today · 4.125%
HK$81,883
baseline
▲ 0.50% · 4.625%
HK$86,199
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,766/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,782
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,575
−HK$2,837/mo
Today · 4.125%
HK$95,412
baseline
▲ 0.50% · 4.625%
HK$101,218
+HK$5,806/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,824/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,882
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,560
−HK$2,718/mo
Today · 4.125%
HK$105,278
baseline
▲ 0.50% · 4.625%
HK$110,827
+HK$5,549/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,556/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,656 · Scale 2, in force from 26 Feb 2026)