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$49,896
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,448
−HK$1,577/mo
Today · 4.125%
HK$53,025
baseline
▲ 0.50% · 4.625%
HK$56,251
+HK$3,226/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,050/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,508
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,997
−HK$1,510/mo
Today · 4.125%
HK$58,507
baseline
▲ 0.50% · 4.625%
HK$61,591
+HK$3,084/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,014/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,875
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,737
−HK$1,893/mo
Today · 4.125%
HK$63,630
baseline
▲ 0.50% · 4.625%
HK$67,501
+HK$3,871/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,260/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,610
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,397
−HK$1,812/mo
Today · 4.125%
HK$70,209
baseline
▲ 0.50% · 4.625%
HK$73,910
+HK$3,701/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,418/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,854
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,027
−HK$2,207/mo
Today · 4.125%
HK$74,234
baseline
▲ 0.50% · 4.625%
HK$78,751
+HK$4,517/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$148,468/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,712
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,796
−HK$2,114/mo
Today · 4.125%
HK$81,910
baseline
▲ 0.50% · 4.625%
HK$86,228
+HK$4,318/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$163,820/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,812
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,606
−HK$2,838/mo
Today · 4.125%
HK$95,444
baseline
▲ 0.50% · 4.625%
HK$101,252
+HK$5,808/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,888/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,915
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,595
−HK$2,718/mo
Today · 4.125%
HK$105,313
baseline
▲ 0.50% · 4.625%
HK$110,865
+HK$5,552/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,626/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,969 · Scale 2, in force from 26 Feb 2026)