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$50,139
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,699
−HK$1,584/mo
Today · 4.125%
HK$53,283
baseline
▲ 0.50% · 4.625%
HK$56,525
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,566/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,779
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,275
−HK$1,518/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$61,892
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,167
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,038
−HK$1,902/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,830
+HK$3,890/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,935
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,730
−HK$1,821/mo
Today · 4.125%
HK$70,551
baseline
▲ 0.50% · 4.625%
HK$74,270
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$141,102/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,195
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,378
−HK$2,218/mo
Today · 4.125%
HK$74,596
baseline
▲ 0.50% · 4.625%
HK$79,135
+HK$4,539/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,192/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,091
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,185
−HK$2,125/mo
Today · 4.125%
HK$82,310
baseline
▲ 0.50% · 4.625%
HK$86,648
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,620/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,250
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,057
−HK$2,853/mo
Today · 4.125%
HK$95,910
baseline
▲ 0.50% · 4.625%
HK$101,746
+HK$5,836/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,820/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,402
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,095
−HK$2,732/mo
Today · 4.125%
HK$105,827
baseline
▲ 0.50% · 4.625%
HK$111,405
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,654/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,504 · Scale 2, in force from 26 Feb 2026)