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$50,081
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,639
−HK$1,583/mo
Today · 4.125%
HK$53,222
baseline
▲ 0.50% · 4.625%
HK$56,460
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,444/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,715
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,209
−HK$1,516/mo
Today · 4.125%
HK$58,725
baseline
▲ 0.50% · 4.625%
HK$61,821
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,450/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,098
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,967
−HK$1,899/mo
Today · 4.125%
HK$63,866
baseline
▲ 0.50% · 4.625%
HK$67,752
+HK$3,886/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,732/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,858
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,651
−HK$1,819/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$3,715/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,114
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,295
−HK$2,216/mo
Today · 4.125%
HK$74,511
baseline
▲ 0.50% · 4.625%
HK$79,044
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$149,022/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,001
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,093
−HK$2,122/mo
Today · 4.125%
HK$82,215
baseline
▲ 0.50% · 4.625%
HK$86,549
+HK$4,334/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,430/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,146
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,950
−HK$2,849/mo
Today · 4.125%
HK$95,799
baseline
▲ 0.50% · 4.625%
HK$101,629
+HK$5,830/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,598/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,287
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,977
−HK$2,728/mo
Today · 4.125%
HK$105,705
baseline
▲ 0.50% · 4.625%
HK$111,277
+HK$5,572/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,410/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,429 · Scale 2, in force from 26 Feb 2026)