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$50,107
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,666
−HK$1,584/mo
Today · 4.125%
HK$53,250
baseline
▲ 0.50% · 4.625%
HK$56,490
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,500/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,744
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,239
−HK$1,517/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$61,853
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,512/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,129
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,999
−HK$1,901/mo
Today · 4.125%
HK$63,900
baseline
▲ 0.50% · 4.625%
HK$67,788
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,800/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,893
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,687
−HK$1,820/mo
Today · 4.125%
HK$70,507
baseline
▲ 0.50% · 4.625%
HK$74,223
+HK$3,716/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$141,014/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,150
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,333
−HK$2,217/mo
Today · 4.125%
HK$74,550
baseline
▲ 0.50% · 4.625%
HK$79,086
+HK$4,536/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,100/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,042
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,135
−HK$2,123/mo
Today · 4.125%
HK$82,258
baseline
▲ 0.50% · 4.625%
HK$86,594
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,516/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,193
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,999
−HK$2,850/mo
Today · 4.125%
HK$95,849
baseline
▲ 0.50% · 4.625%
HK$101,682
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,698/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,339
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,030
−HK$2,730/mo
Today · 4.125%
HK$105,760
baseline
▲ 0.50% · 4.625%
HK$111,335
+HK$5,575/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,520/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,916 · Scale 2, in force from 26 Feb 2026)