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$49,998
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,554
−HK$1,580/mo
Today · 4.125%
HK$53,134
baseline
▲ 0.50% · 4.625%
HK$56,367
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,268/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,623
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,115
−HK$1,513/mo
Today · 4.125%
HK$58,628
baseline
▲ 0.50% · 4.625%
HK$61,718
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,256/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,998
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,864
−HK$1,897/mo
Today · 4.125%
HK$63,761
baseline
▲ 0.50% · 4.625%
HK$67,640
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,522/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,747
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,537
−HK$1,817/mo
Today · 4.125%
HK$70,354
baseline
▲ 0.50% · 4.625%
HK$74,062
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,708/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,998
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$2,212/mo
Today · 4.125%
HK$74,387
baseline
▲ 0.50% · 4.625%
HK$78,914
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,774/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,872
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,960
−HK$2,119/mo
Today · 4.125%
HK$82,079
baseline
▲ 0.50% · 4.625%
HK$86,406
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,158/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,997
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,797
−HK$2,844/mo
Today · 4.125%
HK$95,641
baseline
▲ 0.50% · 4.625%
HK$101,460
+HK$5,819/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,282/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,121
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,806
−HK$2,724/mo
Today · 4.125%
HK$105,530
baseline
▲ 0.50% · 4.625%
HK$111,093
+HK$5,563/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,060/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,885 · Scale 2, in force from 26 Feb 2026)