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$49,942
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,496
−HK$1,578/mo
Today · 4.125%
HK$53,074
baseline
▲ 0.50% · 4.625%
HK$56,304
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,148/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,561
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,051
−HK$1,511/mo
Today · 4.125%
HK$58,562
baseline
▲ 0.50% · 4.625%
HK$61,649
+HK$3,087/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,124/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,931
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,795
−HK$1,894/mo
Today · 4.125%
HK$63,689
baseline
▲ 0.50% · 4.625%
HK$67,565
+HK$3,876/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,378/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,673
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,461
−HK$1,814/mo
Today · 4.125%
HK$70,275
baseline
▲ 0.50% · 4.625%
HK$73,979
+HK$3,704/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,550/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,919
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,094
−HK$2,210/mo
Today · 4.125%
HK$74,304
baseline
▲ 0.50% · 4.625%
HK$78,825
+HK$4,521/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,608/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,785
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,871
−HK$2,116/mo
Today · 4.125%
HK$81,987
baseline
▲ 0.50% · 4.625%
HK$86,309
+HK$4,322/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,974/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,896
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,693
−HK$2,841/mo
Today · 4.125%
HK$95,534
baseline
▲ 0.50% · 4.625%
HK$101,347
+HK$5,813/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,068/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,009
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,691
−HK$2,721/mo
Today · 4.125%
HK$105,412
baseline
▲ 0.50% · 4.625%
HK$110,969
+HK$5,557/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,824/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,841 · Scale 2, in force from 26 Feb 2026)