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$49,919
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,578/mo
Today · 4.125%
HK$53,050
baseline
▲ 0.50% · 4.625%
HK$56,278
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,100/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,535
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,024
−HK$1,511/mo
Today · 4.125%
HK$58,535
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,085/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,070/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,903
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,766
−HK$1,893/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,533
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,642
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$1,813/mo
Today · 4.125%
HK$70,242
baseline
▲ 0.50% · 4.625%
HK$73,945
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,484/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,887
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,061
−HK$2,208/mo
Today · 4.125%
HK$74,269
baseline
▲ 0.50% · 4.625%
HK$78,789
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,538/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,748
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,834
−HK$2,115/mo
Today · 4.125%
HK$81,949
baseline
▲ 0.50% · 4.625%
HK$86,269
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,898/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,855
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,650
−HK$2,839/mo
Today · 4.125%
HK$95,489
baseline
▲ 0.50% · 4.625%
HK$101,300
+HK$5,811/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,978/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,962
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,643
−HK$2,720/mo
Today · 4.125%
HK$105,363
baseline
▲ 0.50% · 4.625%
HK$110,917
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,726/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,407 · Scale 2, in force from 26 Feb 2026)