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$50,001
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,580/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$56,369
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,117
−HK$1,513/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$61,721
+HK$3,091/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,001
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,867
−HK$1,896/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,643
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,750
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$1,816/mo
Today · 4.125%
HK$70,356
baseline
▲ 0.50% · 4.625%
HK$74,065
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,712/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,001
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,178
−HK$2,212/mo
Today · 4.125%
HK$74,390
baseline
▲ 0.50% · 4.625%
HK$78,917
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,780/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,875
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,964
−HK$2,119/mo
Today · 4.125%
HK$82,083
baseline
▲ 0.50% · 4.625%
HK$86,409
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,166/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,001
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,801
−HK$2,844/mo
Today · 4.125%
HK$95,645
baseline
▲ 0.50% · 4.625%
HK$101,465
+HK$5,820/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,290/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,125
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,811
−HK$2,724/mo
Today · 4.125%
HK$105,535
baseline
▲ 0.50% · 4.625%
HK$111,098
+HK$5,563/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,070/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,924 · Scale 2, in force from 26 Feb 2026)