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$49,914
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,467
−HK$1,578/mo
Today · 4.125%
HK$53,045
baseline
▲ 0.50% · 4.625%
HK$56,272
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,090/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,529
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,019
−HK$1,510/mo
Today · 4.125%
HK$58,529
baseline
▲ 0.50% · 4.625%
HK$61,615
+HK$3,086/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,058/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,897
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,892/mo
Today · 4.125%
HK$63,653
baseline
▲ 0.50% · 4.625%
HK$67,527
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$127,306/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,635
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,422
−HK$1,813/mo
Today · 4.125%
HK$70,235
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,470/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,880
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,054
−HK$2,208/mo
Today · 4.125%
HK$74,262
baseline
▲ 0.50% · 4.625%
HK$78,781
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,524/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,741
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,826
−HK$2,115/mo
Today · 4.125%
HK$81,941
baseline
▲ 0.50% · 4.625%
HK$86,260
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,882/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,846
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,641
−HK$2,839/mo
Today · 4.125%
HK$95,480
baseline
▲ 0.50% · 4.625%
HK$101,290
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,960/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,953
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,634
−HK$2,719/mo
Today · 4.125%
HK$105,353
baseline
▲ 0.50% · 4.625%
HK$110,906
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,706/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,319 · Scale 2, in force from 26 Feb 2026)