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$50,128
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,688
−HK$1,584/mo
Today · 4.125%
HK$53,272
baseline
▲ 0.50% · 4.625%
HK$56,513
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,544/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,767
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,263
−HK$1,517/mo
Today · 4.125%
HK$58,780
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,560/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,154
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,025
−HK$1,901/mo
Today · 4.125%
HK$63,926
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,890/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,852/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,921
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,716
−HK$1,820/mo
Today · 4.125%
HK$70,536
baseline
▲ 0.50% · 4.625%
HK$74,254
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,072/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,180
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,363
−HK$2,218/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$79,119
+HK$4,538/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,074
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,168
−HK$2,124/mo
Today · 4.125%
HK$82,292
baseline
▲ 0.50% · 4.625%
HK$86,630
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,584/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,231
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,038
−HK$2,851/mo
Today · 4.125%
HK$95,889
baseline
▲ 0.50% · 4.625%
HK$101,724
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,778/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,381
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,073
−HK$2,731/mo
Today · 4.125%
HK$105,804
baseline
▲ 0.50% · 4.625%
HK$111,382
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,608/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,306 · Scale 2, in force from 26 Feb 2026)