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$50,122
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,584/mo
Today · 4.125%
HK$53,266
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,532/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,761
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,256
−HK$1,517/mo
Today · 4.125%
HK$58,773
baseline
▲ 0.50% · 4.625%
HK$61,871
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,546/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,147
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,018
−HK$1,901/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,808
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,913
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,707
−HK$1,821/mo
Today · 4.125%
HK$70,528
baseline
▲ 0.50% · 4.625%
HK$74,246
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,056/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,171
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,354
−HK$2,218/mo
Today · 4.125%
HK$74,572
baseline
▲ 0.50% · 4.625%
HK$79,109
+HK$4,537/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$149,144/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,065
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,159
−HK$2,124/mo
Today · 4.125%
HK$82,283
baseline
▲ 0.50% · 4.625%
HK$86,620
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$164,566/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,220
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,027
−HK$2,851/mo
Today · 4.125%
HK$95,878
baseline
▲ 0.50% · 4.625%
HK$101,712
+HK$5,834/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,756/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,369
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,061
−HK$2,731/mo
Today · 4.125%
HK$105,792
baseline
▲ 0.50% · 4.625%
HK$111,368
+HK$5,576/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,584/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,195 · Scale 2, in force from 26 Feb 2026)