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$50,020
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,576
−HK$1,581/mo
Today · 4.125%
HK$53,157
baseline
▲ 0.50% · 4.625%
HK$56,391
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,314/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,647
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,139
−HK$1,514/mo
Today · 4.125%
HK$58,653
baseline
▲ 0.50% · 4.625%
HK$61,745
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,306/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,024
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,891
−HK$1,897/mo
Today · 4.125%
HK$63,788
baseline
▲ 0.50% · 4.625%
HK$67,669
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,576/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,776
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,567
−HK$1,817/mo
Today · 4.125%
HK$70,384
baseline
▲ 0.50% · 4.625%
HK$74,094
+HK$3,710/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,768/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,028
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,206
−HK$2,213/mo
Today · 4.125%
HK$74,419
baseline
▲ 0.50% · 4.625%
HK$78,948
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,838/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,905
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,995
−HK$2,119/mo
Today · 4.125%
HK$82,114
baseline
▲ 0.50% · 4.625%
HK$86,443
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,228/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,036
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,837
−HK$2,845/mo
Today · 4.125%
HK$95,682
baseline
▲ 0.50% · 4.625%
HK$101,504
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,364/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,164
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,850
−HK$2,726/mo
Today · 4.125%
HK$105,576
baseline
▲ 0.50% · 4.625%
HK$111,141
+HK$5,565/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,152/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,285 · Scale 2, in force from 26 Feb 2026)