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$50,045
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,602
−HK$1,581/mo
Today · 4.125%
HK$53,183
baseline
▲ 0.50% · 4.625%
HK$56,419
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,366/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,675
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,168
−HK$1,514/mo
Today · 4.125%
HK$58,682
baseline
▲ 0.50% · 4.625%
HK$61,776
+HK$3,094/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,364/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,054
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,922
−HK$1,898/mo
Today · 4.125%
HK$63,820
baseline
▲ 0.50% · 4.625%
HK$67,703
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,640/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,809
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,601
−HK$1,818/mo
Today · 4.125%
HK$70,419
baseline
▲ 0.50% · 4.625%
HK$74,131
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,838/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,063
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,242
−HK$2,215/mo
Today · 4.125%
HK$74,457
baseline
▲ 0.50% · 4.625%
HK$78,987
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,914/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,944
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,035
−HK$2,120/mo
Today · 4.125%
HK$82,155
baseline
▲ 0.50% · 4.625%
HK$86,486
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,310/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,081
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,883
−HK$2,847/mo
Today · 4.125%
HK$95,730
baseline
▲ 0.50% · 4.625%
HK$101,555
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,460/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,214
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,902
−HK$2,726/mo
Today · 4.125%
HK$105,628
baseline
▲ 0.50% · 4.625%
HK$111,196
+HK$5,568/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,256/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,752 · Scale 2, in force from 26 Feb 2026)