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$50,071
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,628
−HK$1,583/mo
Today · 4.125%
HK$53,211
baseline
▲ 0.50% · 4.625%
HK$56,449
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,422/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,703
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,197
−HK$1,516/mo
Today · 4.125%
HK$58,713
baseline
▲ 0.50% · 4.625%
HK$61,808
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,426/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,085
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,954
−HK$1,899/mo
Today · 4.125%
HK$63,853
baseline
▲ 0.50% · 4.625%
HK$67,738
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$127,706/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,844
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,637
−HK$1,818/mo
Today · 4.125%
HK$70,455
baseline
▲ 0.50% · 4.625%
HK$74,169
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$140,910/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,099
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,280
−HK$2,215/mo
Today · 4.125%
HK$74,495
baseline
▲ 0.50% · 4.625%
HK$79,028
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,990/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,985
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,076
−HK$2,122/mo
Today · 4.125%
HK$82,198
baseline
▲ 0.50% · 4.625%
HK$86,531
+HK$4,333/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,396/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,128
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,931
−HK$2,848/mo
Today · 4.125%
HK$95,779
baseline
▲ 0.50% · 4.625%
HK$101,607
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,558/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,266
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,955
−HK$2,728/mo
Today · 4.125%
HK$105,683
baseline
▲ 0.50% · 4.625%
HK$111,254
+HK$5,571/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,366/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,235 · Scale 2, in force from 26 Feb 2026)