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$50,114
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,673
−HK$1,584/mo
Today · 4.125%
HK$53,257
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,514/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,751
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,247
−HK$1,516/mo
Today · 4.125%
HK$58,763
baseline
▲ 0.50% · 4.625%
HK$61,861
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,526/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,137
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,007
−HK$1,901/mo
Today · 4.125%
HK$63,908
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,816/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,696
−HK$1,820/mo
Today · 4.125%
HK$70,516
baseline
▲ 0.50% · 4.625%
HK$74,233
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,032/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,160
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,342
−HK$2,217/mo
Today · 4.125%
HK$74,559
baseline
▲ 0.50% · 4.625%
HK$79,096
+HK$4,537/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,118/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,052
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,145
−HK$2,124/mo
Today · 4.125%
HK$82,269
baseline
▲ 0.50% · 4.625%
HK$86,605
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,538/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,205
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,011
−HK$2,851/mo
Today · 4.125%
HK$95,862
baseline
▲ 0.50% · 4.625%
HK$101,695
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,724/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,352
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,044
−HK$2,730/mo
Today · 4.125%
HK$105,774
baseline
▲ 0.50% · 4.625%
HK$111,350
+HK$5,576/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,548/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,038 · Scale 2, in force from 26 Feb 2026)