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$50,073
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,631
−HK$1,582/mo
Today · 4.125%
HK$53,213
baseline
▲ 0.50% · 4.625%
HK$56,451
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,426/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,706
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,200
−HK$1,516/mo
Today · 4.125%
HK$58,716
baseline
▲ 0.50% · 4.625%
HK$61,811
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,432/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,088
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,957
−HK$1,899/mo
Today · 4.125%
HK$63,856
baseline
▲ 0.50% · 4.625%
HK$67,741
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$127,712/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,847
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,640
−HK$1,819/mo
Today · 4.125%
HK$70,459
baseline
▲ 0.50% · 4.625%
HK$74,173
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$140,918/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,103
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,283
−HK$2,216/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$79,032
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,988
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,122/mo
Today · 4.125%
HK$82,202
baseline
▲ 0.50% · 4.625%
HK$86,535
+HK$4,333/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,404/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,132
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,935
−HK$2,849/mo
Today · 4.125%
HK$95,784
baseline
▲ 0.50% · 4.625%
HK$101,612
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,568/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,271
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,960
−HK$2,728/mo
Today · 4.125%
HK$105,688
baseline
▲ 0.50% · 4.625%
HK$111,259
+HK$5,571/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,376/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,278 · Scale 2, in force from 26 Feb 2026)