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$49,956
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,510
−HK$1,579/mo
Today · 4.125%
HK$53,089
baseline
▲ 0.50% · 4.625%
HK$56,319
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,178/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,576
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,066
−HK$1,512/mo
Today · 4.125%
HK$58,578
baseline
▲ 0.50% · 4.625%
HK$61,666
+HK$3,088/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,156/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,947
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,894/mo
Today · 4.125%
HK$63,706
baseline
▲ 0.50% · 4.625%
HK$67,583
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,412/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,691
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,479
−HK$1,815/mo
Today · 4.125%
HK$70,294
baseline
▲ 0.50% · 4.625%
HK$73,999
+HK$3,705/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,588/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,938
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$2,210/mo
Today · 4.125%
HK$74,324
baseline
▲ 0.50% · 4.625%
HK$78,847
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,648/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,806
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,893
−HK$2,116/mo
Today · 4.125%
HK$82,009
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,018/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,921
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,718
−HK$2,842/mo
Today · 4.125%
HK$95,560
baseline
▲ 0.50% · 4.625%
HK$101,374
+HK$5,814/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,120/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,036
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,719
−HK$2,722/mo
Today · 4.125%
HK$105,441
baseline
▲ 0.50% · 4.625%
HK$110,999
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,882/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,094 · Scale 2, in force from 26 Feb 2026)