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$49,992
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,547
−HK$1,579/mo
Today · 4.125%
HK$53,126
baseline
▲ 0.50% · 4.625%
HK$56,359
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,252/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,615
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,107
−HK$1,513/mo
Today · 4.125%
HK$58,620
baseline
▲ 0.50% · 4.625%
HK$61,710
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,240/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,990
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,856
−HK$1,896/mo
Today · 4.125%
HK$63,752
baseline
▲ 0.50% · 4.625%
HK$67,631
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,504/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,738
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,528
−HK$1,816/mo
Today · 4.125%
HK$70,344
baseline
▲ 0.50% · 4.625%
HK$74,052
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,688/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,988
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,165
−HK$2,212/mo
Today · 4.125%
HK$74,377
baseline
▲ 0.50% · 4.625%
HK$78,903
+HK$4,526/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,754/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,861
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,949
−HK$2,119/mo
Today · 4.125%
HK$82,068
baseline
▲ 0.50% · 4.625%
HK$86,394
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,136/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,985
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,784
−HK$2,844/mo
Today · 4.125%
HK$95,628
baseline
▲ 0.50% · 4.625%
HK$101,446
+HK$5,818/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,256/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,107
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,792
−HK$2,724/mo
Today · 4.125%
HK$105,516
baseline
▲ 0.50% · 4.625%
HK$111,077
+HK$5,561/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,032/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,755 · Scale 2, in force from 26 Feb 2026)