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$50,085
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,643
−HK$1,583/mo
Today · 4.125%
HK$53,226
baseline
▲ 0.50% · 4.625%
HK$56,464
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,452/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,719
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,213
−HK$1,516/mo
Today · 4.125%
HK$58,729
baseline
▲ 0.50% · 4.625%
HK$61,825
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,458/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,102
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,971
−HK$1,900/mo
Today · 4.125%
HK$63,871
baseline
▲ 0.50% · 4.625%
HK$67,757
+HK$3,886/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,742/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,863
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,656
−HK$1,819/mo
Today · 4.125%
HK$70,475
baseline
▲ 0.50% · 4.625%
HK$74,190
+HK$3,715/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,950/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,119
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,300
−HK$2,216/mo
Today · 4.125%
HK$74,516
baseline
▲ 0.50% · 4.625%
HK$79,050
+HK$4,534/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,032/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,007
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,099
−HK$2,122/mo
Today · 4.125%
HK$82,221
baseline
▲ 0.50% · 4.625%
HK$86,555
+HK$4,334/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,442/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,153
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,957
−HK$2,849/mo
Today · 4.125%
HK$95,806
baseline
▲ 0.50% · 4.625%
HK$101,636
+HK$5,830/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,612/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,294
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,984
−HK$2,729/mo
Today · 4.125%
HK$105,713
baseline
▲ 0.50% · 4.625%
HK$111,285
+HK$5,572/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,426/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,496 · Scale 2, in force from 26 Feb 2026)