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$50,026
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,582
−HK$1,581/mo
Today · 4.125%
HK$53,163
baseline
▲ 0.50% · 4.625%
HK$56,398
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,326/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,654
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,146
−HK$1,515/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$61,753
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,032
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,899
−HK$1,897/mo
Today · 4.125%
HK$63,796
baseline
▲ 0.50% · 4.625%
HK$67,678
+HK$3,882/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$127,592/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,784
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,576
−HK$1,817/mo
Today · 4.125%
HK$70,393
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$3,710/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$140,786/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,037
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,215
−HK$2,214/mo
Today · 4.125%
HK$74,429
baseline
▲ 0.50% · 4.625%
HK$78,958
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,858/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,915
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,005
−HK$2,120/mo
Today · 4.125%
HK$82,125
baseline
▲ 0.50% · 4.625%
HK$86,454
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,250/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,047
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,848
−HK$2,846/mo
Today · 4.125%
HK$95,694
baseline
▲ 0.50% · 4.625%
HK$101,517
+HK$5,823/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,388/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,177
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,863
−HK$2,726/mo
Today · 4.125%
HK$105,589
baseline
▲ 0.50% · 4.625%
HK$111,155
+HK$5,566/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,178/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,403 · Scale 2, in force from 26 Feb 2026)