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$50,106
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,583/mo
Today · 4.125%
HK$53,248
baseline
▲ 0.50% · 4.625%
HK$56,488
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,496/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,743
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,238
−HK$1,516/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$61,851
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,128
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,998
−HK$1,900/mo
Today · 4.125%
HK$63,898
baseline
▲ 0.50% · 4.625%
HK$67,786
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,796/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,891
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,685
−HK$1,820/mo
Today · 4.125%
HK$70,505
baseline
▲ 0.50% · 4.625%
HK$74,222
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$141,010/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,149
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,331
−HK$2,217/mo
Today · 4.125%
HK$74,548
baseline
▲ 0.50% · 4.625%
HK$79,084
+HK$4,536/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,096/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,133
−HK$2,123/mo
Today · 4.125%
HK$82,256
baseline
▲ 0.50% · 4.625%
HK$86,592
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,512/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,191
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,997
−HK$2,850/mo
Today · 4.125%
HK$95,847
baseline
▲ 0.50% · 4.625%
HK$101,679
+HK$5,832/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,694/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,337
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,028
−HK$2,730/mo
Today · 4.125%
HK$105,758
baseline
▲ 0.50% · 4.625%
HK$111,332
+HK$5,574/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,516/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,894 · Scale 2, in force from 26 Feb 2026)