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$50,079
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,637
−HK$1,583/mo
Today · 4.125%
HK$53,220
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,440/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,713
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,207
−HK$1,516/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$61,818
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,095
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,900/mo
Today · 4.125%
HK$63,864
baseline
▲ 0.50% · 4.625%
HK$67,750
+HK$3,886/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$127,728/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,855
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$1,819/mo
Today · 4.125%
HK$70,467
baseline
▲ 0.50% · 4.625%
HK$74,182
+HK$3,715/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$140,934/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,111
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,292
−HK$2,216/mo
Today · 4.125%
HK$74,508
baseline
▲ 0.50% · 4.625%
HK$79,041
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$149,016/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,998
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,090
−HK$2,122/mo
Today · 4.125%
HK$82,212
baseline
▲ 0.50% · 4.625%
HK$86,545
+HK$4,333/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,424/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,143
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,947
−HK$2,848/mo
Today · 4.125%
HK$95,795
baseline
▲ 0.50% · 4.625%
HK$101,624
+HK$5,829/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,590/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,283
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,972
−HK$2,729/mo
Today · 4.125%
HK$105,701
baseline
▲ 0.50% · 4.625%
HK$111,272
+HK$5,571/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,402/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,391 · Scale 2, in force from 26 Feb 2026)