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$50,028
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,585
−HK$1,581/mo
Today · 4.125%
HK$53,166
baseline
▲ 0.50% · 4.625%
HK$56,401
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,332/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,656
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,149
−HK$1,514/mo
Today · 4.125%
HK$58,663
baseline
▲ 0.50% · 4.625%
HK$61,755
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,326/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,034
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,902
−HK$1,897/mo
Today · 4.125%
HK$63,799
baseline
▲ 0.50% · 4.625%
HK$67,681
+HK$3,882/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$127,598/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,787
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$1,817/mo
Today · 4.125%
HK$70,396
baseline
▲ 0.50% · 4.625%
HK$74,106
+HK$3,710/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$140,792/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,040
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$2,213/mo
Today · 4.125%
HK$74,432
baseline
▲ 0.50% · 4.625%
HK$78,961
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,864/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,919
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,008
−HK$2,120/mo
Today · 4.125%
HK$82,128
baseline
▲ 0.50% · 4.625%
HK$86,457
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,256/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,051
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,852
−HK$2,846/mo
Today · 4.125%
HK$95,698
baseline
▲ 0.50% · 4.625%
HK$101,521
+HK$5,823/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,396/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,181
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,868
−HK$2,726/mo
Today · 4.125%
HK$105,594
baseline
▲ 0.50% · 4.625%
HK$111,160
+HK$5,566/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,188/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,444 · Scale 2, in force from 26 Feb 2026)