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$50,138
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,698
−HK$1,584/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,524
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,778
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,274
−HK$1,518/mo
Today · 4.125%
HK$58,792
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,584/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,166
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,037
−HK$1,902/mo
Today · 4.125%
HK$63,939
baseline
▲ 0.50% · 4.625%
HK$67,829
+HK$3,890/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$127,878/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,934
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,729
−HK$1,821/mo
Today · 4.125%
HK$70,550
baseline
▲ 0.50% · 4.625%
HK$74,269
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$141,100/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,193
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,377
−HK$2,218/mo
Today · 4.125%
HK$74,595
baseline
▲ 0.50% · 4.625%
HK$79,134
+HK$4,539/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,190/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,089
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,184
−HK$2,124/mo
Today · 4.125%
HK$82,308
baseline
▲ 0.50% · 4.625%
HK$86,647
+HK$4,339/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,616/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,248
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,056
−HK$2,852/mo
Today · 4.125%
HK$95,908
baseline
▲ 0.50% · 4.625%
HK$101,744
+HK$5,836/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,816/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,401
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,093
−HK$2,732/mo
Today · 4.125%
HK$105,825
baseline
▲ 0.50% · 4.625%
HK$111,403
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,650/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,486 · Scale 2, in force from 26 Feb 2026)