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$49,945
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,499
−HK$1,578/mo
Today · 4.125%
HK$53,077
baseline
▲ 0.50% · 4.625%
HK$56,307
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,154/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,564
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,054
−HK$1,511/mo
Today · 4.125%
HK$58,565
baseline
▲ 0.50% · 4.625%
HK$61,653
+HK$3,088/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,130/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,934
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,799
−HK$1,894/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,568
+HK$3,875/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,676
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,464
−HK$1,815/mo
Today · 4.125%
HK$70,279
baseline
▲ 0.50% · 4.625%
HK$73,983
+HK$3,704/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,558/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,923
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,098
−HK$2,210/mo
Today · 4.125%
HK$74,308
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$4,522/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,616/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,789
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,875
−HK$2,117/mo
Today · 4.125%
HK$81,992
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,322/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,984/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,901
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,698
−HK$2,841/mo
Today · 4.125%
HK$95,539
baseline
▲ 0.50% · 4.625%
HK$101,352
+HK$5,813/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,078/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,014
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,697
−HK$2,721/mo
Today · 4.125%
HK$105,418
baseline
▲ 0.50% · 4.625%
HK$110,975
+HK$5,557/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,836/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,892 · Scale 2, in force from 26 Feb 2026)