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$50,113
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,672
−HK$1,583/mo
Today · 4.125%
HK$53,255
baseline
▲ 0.50% · 4.625%
HK$56,496
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,510/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,750
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,245
−HK$1,517/mo
Today · 4.125%
HK$58,762
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,524/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,135
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,006
−HK$1,900/mo
Today · 4.125%
HK$63,906
baseline
▲ 0.50% · 4.625%
HK$67,795
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,812/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,900
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,694
−HK$1,820/mo
Today · 4.125%
HK$70,514
baseline
▲ 0.50% · 4.625%
HK$74,231
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,028/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,158
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,340
−HK$2,218/mo
Today · 4.125%
HK$74,558
baseline
▲ 0.50% · 4.625%
HK$79,094
+HK$4,536/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,116/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,050
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,143
−HK$2,124/mo
Today · 4.125%
HK$82,267
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,534/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,203
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,009
−HK$2,851/mo
Today · 4.125%
HK$95,860
baseline
▲ 0.50% · 4.625%
HK$101,693
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,720/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,350
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,041
−HK$2,731/mo
Today · 4.125%
HK$105,772
baseline
▲ 0.50% · 4.625%
HK$111,347
+HK$5,575/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,544/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,017 · Scale 2, in force from 26 Feb 2026)