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$50,059
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,617
−HK$1,582/mo
Today · 4.125%
HK$53,199
baseline
▲ 0.50% · 4.625%
HK$56,436
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,398/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,691
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,184
−HK$1,515/mo
Today · 4.125%
HK$58,699
baseline
▲ 0.50% · 4.625%
HK$61,794
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,398/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,071
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,940
−HK$1,898/mo
Today · 4.125%
HK$63,838
baseline
▲ 0.50% · 4.625%
HK$67,723
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,676/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,829
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$1,818/mo
Today · 4.125%
HK$70,439
baseline
▲ 0.50% · 4.625%
HK$74,152
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,878/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,083
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,263
−HK$2,215/mo
Today · 4.125%
HK$74,478
baseline
▲ 0.50% · 4.625%
HK$79,010
+HK$4,532/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,956/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,967
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,058
−HK$2,121/mo
Today · 4.125%
HK$82,179
baseline
▲ 0.50% · 4.625%
HK$86,511
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,358/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,107
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,910
−HK$2,848/mo
Today · 4.125%
HK$95,758
baseline
▲ 0.50% · 4.625%
HK$101,584
+HK$5,826/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,516/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,243
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,932
−HK$2,727/mo
Today · 4.125%
HK$105,659
baseline
▲ 0.50% · 4.625%
HK$111,228
+HK$5,569/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,318/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,022 · Scale 2, in force from 26 Feb 2026)