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$50,142
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,701
−HK$1,585/mo
Today · 4.125%
HK$53,286
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,572/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,518/mo
Today · 4.125%
HK$58,796
baseline
▲ 0.50% · 4.625%
HK$61,895
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,592/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,170
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,042
−HK$1,901/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,834
+HK$3,891/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,939
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,734
−HK$1,821/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,274
+HK$3,719/mo
Deposit HK$8.80M · loan HK$13.19M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,198
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,382
−HK$2,218/mo
Today · 4.125%
HK$74,600
baseline
▲ 0.50% · 4.625%
HK$79,140
+HK$4,540/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,200/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,095
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,190
−HK$2,124/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$86,653
+HK$4,339/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,255
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,063
−HK$2,852/mo
Today · 4.125%
HK$95,915
baseline
▲ 0.50% · 4.625%
HK$101,751
+HK$5,836/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,830/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,408
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,101
−HK$2,732/mo
Today · 4.125%
HK$105,833
baseline
▲ 0.50% · 4.625%
HK$111,411
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,666/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,555 · Scale 2, in force from 26 Feb 2026)