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$50,021
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,581/mo
Today · 4.125%
HK$53,158
baseline
▲ 0.50% · 4.625%
HK$56,392
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,316/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,140
−HK$1,514/mo
Today · 4.125%
HK$58,654
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,308/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,025
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,892
−HK$1,897/mo
Today · 4.125%
HK$63,789
baseline
▲ 0.50% · 4.625%
HK$67,671
+HK$3,882/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,578/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,777
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,568
−HK$1,817/mo
Today · 4.125%
HK$70,385
baseline
▲ 0.50% · 4.625%
HK$74,095
+HK$3,710/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,770/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,029
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$2,213/mo
Today · 4.125%
HK$74,421
baseline
▲ 0.50% · 4.625%
HK$78,949
+HK$4,528/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,842/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,907
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,996
−HK$2,120/mo
Today · 4.125%
HK$82,116
baseline
▲ 0.50% · 4.625%
HK$86,445
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,232/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,038
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,838
−HK$2,846/mo
Today · 4.125%
HK$95,684
baseline
▲ 0.50% · 4.625%
HK$101,506
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,368/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,166
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,853
−HK$2,725/mo
Today · 4.125%
HK$105,578
baseline
▲ 0.50% · 4.625%
HK$111,143
+HK$5,565/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,156/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,305 · Scale 2, in force from 26 Feb 2026)