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$49,891
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,443
−HK$1,577/mo
Today · 4.125%
HK$53,020
baseline
▲ 0.50% · 4.625%
HK$56,246
+HK$3,226/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,040/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,504
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,992
−HK$1,510/mo
Today · 4.125%
HK$58,502
baseline
▲ 0.50% · 4.625%
HK$61,586
+HK$3,084/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,004/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,870
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,732
−HK$1,892/mo
Today · 4.125%
HK$63,624
baseline
▲ 0.50% · 4.625%
HK$67,495
+HK$3,871/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,248/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,604
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,391
−HK$1,812/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$73,903
+HK$3,700/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,848
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,020
−HK$2,208/mo
Today · 4.125%
HK$74,228
baseline
▲ 0.50% · 4.625%
HK$78,744
+HK$4,516/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$148,456/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,705
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,789
−HK$2,114/mo
Today · 4.125%
HK$81,903
baseline
▲ 0.50% · 4.625%
HK$86,220
+HK$4,317/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$163,806/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,804
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,598
−HK$2,838/mo
Today · 4.125%
HK$95,436
baseline
▲ 0.50% · 4.625%
HK$101,243
+HK$5,807/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,872/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,906
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,586
−HK$2,718/mo
Today · 4.125%
HK$105,304
baseline
▲ 0.50% · 4.625%
HK$110,855
+HK$5,551/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,608/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,887 · Scale 2, in force from 26 Feb 2026)