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$49,921
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,474
−HK$1,578/mo
Today · 4.125%
HK$53,052
baseline
▲ 0.50% · 4.625%
HK$56,280
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,104/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,537
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,026
−HK$1,512/mo
Today · 4.125%
HK$58,538
baseline
▲ 0.50% · 4.625%
HK$61,623
+HK$3,085/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,076/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,906
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,769
−HK$1,893/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,536
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,432
−HK$1,813/mo
Today · 4.125%
HK$70,245
baseline
▲ 0.50% · 4.625%
HK$73,948
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,490/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,890
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,064
−HK$2,209/mo
Today · 4.125%
HK$74,273
baseline
▲ 0.50% · 4.625%
HK$78,792
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,546/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,752
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,837
−HK$2,116/mo
Today · 4.125%
HK$81,953
baseline
▲ 0.50% · 4.625%
HK$86,272
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,906/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,858
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,654
−HK$2,839/mo
Today · 4.125%
HK$95,493
baseline
▲ 0.50% · 4.625%
HK$101,304
+HK$5,811/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,986/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,967
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,648
−HK$2,720/mo
Today · 4.125%
HK$105,368
baseline
▲ 0.50% · 4.625%
HK$110,922
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,736/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,448 · Scale 2, in force from 26 Feb 2026)