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$49,829
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,379
−HK$1,575/mo
Today · 4.125%
HK$52,954
baseline
▲ 0.50% · 4.625%
HK$56,176
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,908/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,435
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,922
−HK$1,508/mo
Today · 4.125%
HK$58,430
baseline
▲ 0.50% · 4.625%
HK$61,510
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,860/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,795
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,655
−HK$1,890/mo
Today · 4.125%
HK$63,545
baseline
▲ 0.50% · 4.625%
HK$67,412
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,090/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,522
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,306
−HK$1,810/mo
Today · 4.125%
HK$70,116
baseline
▲ 0.50% · 4.625%
HK$73,812
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,232/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,761
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,931
−HK$2,205/mo
Today · 4.125%
HK$74,136
baseline
▲ 0.50% · 4.625%
HK$78,647
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,272/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,609
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,690
−HK$2,112/mo
Today · 4.125%
HK$81,802
baseline
▲ 0.50% · 4.625%
HK$86,114
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,604/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,693
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,483
−HK$2,835/mo
Today · 4.125%
HK$95,318
baseline
▲ 0.50% · 4.625%
HK$101,117
+HK$5,799/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,636/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,783
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,459
−HK$2,715/mo
Today · 4.125%
HK$105,174
baseline
▲ 0.50% · 4.625%
HK$110,717
+HK$5,543/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,348/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,735 · Scale 2, in force from 26 Feb 2026)