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$50,023
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,579
−HK$1,581/mo
Today · 4.125%
HK$53,160
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,320/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,650
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,514/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,028
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,895
−HK$1,897/mo
Today · 4.125%
HK$63,792
baseline
▲ 0.50% · 4.625%
HK$67,673
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,584/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,780
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,571
−HK$1,817/mo
Today · 4.125%
HK$70,388
baseline
▲ 0.50% · 4.625%
HK$74,098
+HK$3,710/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,776/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,032
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,211
−HK$2,213/mo
Today · 4.125%
HK$74,424
baseline
▲ 0.50% · 4.625%
HK$78,952
+HK$4,528/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,848/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,910
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,000
−HK$2,119/mo
Today · 4.125%
HK$82,119
baseline
▲ 0.50% · 4.625%
HK$86,448
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,238/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,041
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,842
−HK$2,846/mo
Today · 4.125%
HK$95,688
baseline
▲ 0.50% · 4.625%
HK$101,510
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,376/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,170
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,857
−HK$2,725/mo
Today · 4.125%
HK$105,582
baseline
▲ 0.50% · 4.625%
HK$111,147
+HK$5,565/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,164/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,342 · Scale 2, in force from 26 Feb 2026)