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$50,084
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,642
−HK$1,583/mo
Today · 4.125%
HK$53,225
baseline
▲ 0.50% · 4.625%
HK$56,463
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,450/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,718
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,212
−HK$1,516/mo
Today · 4.125%
HK$58,728
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,456/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,101
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,970
−HK$1,899/mo
Today · 4.125%
HK$63,869
baseline
▲ 0.50% · 4.625%
HK$67,756
+HK$3,887/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,738/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,861
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,655
−HK$1,819/mo
Today · 4.125%
HK$70,474
baseline
▲ 0.50% · 4.625%
HK$74,188
+HK$3,714/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,948/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,117
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,298
−HK$2,216/mo
Today · 4.125%
HK$74,514
baseline
▲ 0.50% · 4.625%
HK$79,048
+HK$4,534/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$149,028/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,005
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,097
−HK$2,122/mo
Today · 4.125%
HK$82,219
baseline
▲ 0.50% · 4.625%
HK$86,553
+HK$4,334/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,438/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,151
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,955
−HK$2,849/mo
Today · 4.125%
HK$95,804
baseline
▲ 0.50% · 4.625%
HK$101,634
+HK$5,830/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,608/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,292
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,982
−HK$2,728/mo
Today · 4.125%
HK$105,710
baseline
▲ 0.50% · 4.625%
HK$111,283
+HK$5,573/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,420/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,476 · Scale 2, in force from 26 Feb 2026)