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$49,904
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,456
−HK$1,578/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$56,261
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,518
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,007
−HK$1,510/mo
Today · 4.125%
HK$58,517
baseline
▲ 0.50% · 4.625%
HK$61,602
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,034/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,748
−HK$1,892/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,873/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,621
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$1,813/mo
Today · 4.125%
HK$70,221
baseline
▲ 0.50% · 4.625%
HK$73,922
+HK$3,701/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,442/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,866
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,039
−HK$2,208/mo
Today · 4.125%
HK$74,247
baseline
▲ 0.50% · 4.625%
HK$78,765
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,494/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,725
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,810
−HK$2,114/mo
Today · 4.125%
HK$81,924
baseline
▲ 0.50% · 4.625%
HK$86,243
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,848/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,827
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,622
−HK$2,838/mo
Today · 4.125%
HK$95,460
baseline
▲ 0.50% · 4.625%
HK$101,269
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,920/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,932
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,612
−HK$2,719/mo
Today · 4.125%
HK$105,331
baseline
▲ 0.50% · 4.625%
HK$110,883
+HK$5,552/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,662/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,127 · Scale 2, in force from 26 Feb 2026)