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$50,055
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,612
−HK$1,582/mo
Today · 4.125%
HK$53,194
baseline
▲ 0.50% · 4.625%
HK$56,431
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,388/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,686
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,179
−HK$1,516/mo
Today · 4.125%
HK$58,695
baseline
▲ 0.50% · 4.625%
HK$61,788
+HK$3,093/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,390/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,066
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,935
−HK$1,898/mo
Today · 4.125%
HK$63,833
baseline
▲ 0.50% · 4.625%
HK$67,717
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,666/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,823
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,615
−HK$1,818/mo
Today · 4.125%
HK$70,433
baseline
▲ 0.50% · 4.625%
HK$74,146
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,866/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,077
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,257
−HK$2,215/mo
Today · 4.125%
HK$74,472
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$4,531/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,944/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,960
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,051
−HK$2,121/mo
Today · 4.125%
HK$82,172
baseline
▲ 0.50% · 4.625%
HK$86,504
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,344/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,099
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,902
−HK$2,847/mo
Today · 4.125%
HK$95,749
baseline
▲ 0.50% · 4.625%
HK$101,576
+HK$5,827/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,498/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,235
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,923
−HK$2,727/mo
Today · 4.125%
HK$105,650
baseline
▲ 0.50% · 4.625%
HK$111,219
+HK$5,569/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,300/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,943 · Scale 2, in force from 26 Feb 2026)