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$49,907
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,577/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$56,264
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,521
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,010
−HK$1,511/mo
Today · 4.125%
HK$58,521
baseline
▲ 0.50% · 4.625%
HK$61,606
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,042/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,889
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,752
−HK$1,892/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$67,517
+HK$3,873/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,626
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$1,812/mo
Today · 4.125%
HK$70,225
baseline
▲ 0.50% · 4.625%
HK$73,927
+HK$3,702/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,450/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,870
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,044
−HK$2,208/mo
Today · 4.125%
HK$74,252
baseline
▲ 0.50% · 4.625%
HK$78,770
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,504/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,730
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,815
−HK$2,114/mo
Today · 4.125%
HK$81,929
baseline
▲ 0.50% · 4.625%
HK$86,248
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,858/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,833
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,627
−HK$2,839/mo
Today · 4.125%
HK$95,466
baseline
▲ 0.50% · 4.625%
HK$101,275
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,932/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,938
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,619
−HK$2,719/mo
Today · 4.125%
HK$105,338
baseline
▲ 0.50% · 4.625%
HK$110,890
+HK$5,552/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,676/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,186 · Scale 2, in force from 26 Feb 2026)