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$50,036
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,582/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,664
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,157
−HK$1,515/mo
Today · 4.125%
HK$58,672
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,344/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,043
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,911
−HK$1,897/mo
Today · 4.125%
HK$63,808
baseline
▲ 0.50% · 4.625%
HK$67,691
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,616/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,797
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,589
−HK$1,817/mo
Today · 4.125%
HK$70,406
baseline
▲ 0.50% · 4.625%
HK$74,117
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,812/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,050
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,229
−HK$2,214/mo
Today · 4.125%
HK$74,443
baseline
▲ 0.50% · 4.625%
HK$78,973
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,886/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,930
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,020
−HK$2,120/mo
Today · 4.125%
HK$82,140
baseline
▲ 0.50% · 4.625%
HK$86,470
+HK$4,330/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,280/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,065
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,866
−HK$2,846/mo
Today · 4.125%
HK$95,712
baseline
▲ 0.50% · 4.625%
HK$101,536
+HK$5,824/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,424/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,196
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,883
−HK$2,726/mo
Today · 4.125%
HK$105,609
baseline
▲ 0.50% · 4.625%
HK$111,176
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,218/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,582 · Scale 2, in force from 26 Feb 2026)