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$50,141
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,700
−HK$1,585/mo
Today · 4.125%
HK$53,285
baseline
▲ 0.50% · 4.625%
HK$56,527
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,570/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,781
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,277
−HK$1,518/mo
Today · 4.125%
HK$58,795
baseline
▲ 0.50% · 4.625%
HK$61,894
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,590/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,169
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,040
−HK$1,902/mo
Today · 4.125%
HK$63,942
baseline
▲ 0.50% · 4.625%
HK$67,833
+HK$3,891/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$127,884/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,937
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,732
−HK$1,822/mo
Today · 4.125%
HK$70,554
baseline
▲ 0.50% · 4.625%
HK$74,273
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$141,108/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,197
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,380
−HK$2,219/mo
Today · 4.125%
HK$74,599
baseline
▲ 0.50% · 4.625%
HK$79,138
+HK$4,539/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,198/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,093
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,188
−HK$2,124/mo
Today · 4.125%
HK$82,312
baseline
▲ 0.50% · 4.625%
HK$86,651
+HK$4,339/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,624/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,253
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,061
−HK$2,852/mo
Today · 4.125%
HK$95,913
baseline
▲ 0.50% · 4.625%
HK$101,749
+HK$5,836/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,826/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,406
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,099
−HK$2,731/mo
Today · 4.125%
HK$105,830
baseline
▲ 0.50% · 4.625%
HK$111,409
+HK$5,579/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,660/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,535 · Scale 2, in force from 26 Feb 2026)