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$50,073
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,630
−HK$1,582/mo
Today · 4.125%
HK$53,212
baseline
▲ 0.50% · 4.625%
HK$56,450
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,424/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,705
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,199
−HK$1,516/mo
Today · 4.125%
HK$58,715
baseline
▲ 0.50% · 4.625%
HK$61,810
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,430/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,087
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,956
−HK$1,899/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,740
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,846
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,639
−HK$1,819/mo
Today · 4.125%
HK$70,458
baseline
▲ 0.50% · 4.625%
HK$74,172
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$140,916/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,102
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,282
−HK$2,215/mo
Today · 4.125%
HK$74,497
baseline
▲ 0.50% · 4.625%
HK$79,030
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,994/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,987
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,079
−HK$2,122/mo
Today · 4.125%
HK$82,201
baseline
▲ 0.50% · 4.625%
HK$86,534
+HK$4,333/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,402/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,131
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,934
−HK$2,848/mo
Today · 4.125%
HK$95,782
baseline
▲ 0.50% · 4.625%
HK$101,611
+HK$5,829/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,564/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,269
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,958
−HK$2,729/mo
Today · 4.125%
HK$105,687
baseline
▲ 0.50% · 4.625%
HK$111,257
+HK$5,570/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,374/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,265 · Scale 2, in force from 26 Feb 2026)