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$50,067
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,624
−HK$1,582/mo
Today · 4.125%
HK$53,206
baseline
▲ 0.50% · 4.625%
HK$56,444
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,412/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,699
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,192
−HK$1,516/mo
Today · 4.125%
HK$58,708
baseline
▲ 0.50% · 4.625%
HK$61,802
+HK$3,094/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,416/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,080
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,949
−HK$1,899/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,631
−HK$1,818/mo
Today · 4.125%
HK$70,449
baseline
▲ 0.50% · 4.625%
HK$74,163
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,898/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,274
−HK$2,215/mo
Today · 4.125%
HK$74,489
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$4,532/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,978/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,978
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,069
−HK$2,122/mo
Today · 4.125%
HK$82,191
baseline
▲ 0.50% · 4.625%
HK$86,523
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,382/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,120
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,923
−HK$2,848/mo
Today · 4.125%
HK$95,771
baseline
▲ 0.50% · 4.625%
HK$101,599
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,542/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,258
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,946
−HK$2,728/mo
Today · 4.125%
HK$105,674
baseline
▲ 0.50% · 4.625%
HK$111,244
+HK$5,570/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,348/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,155 · Scale 2, in force from 26 Feb 2026)