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$50,129
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,688
−HK$1,584/mo
Today · 4.125%
HK$53,272
baseline
▲ 0.50% · 4.625%
HK$56,514
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,544/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,768
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,263
−HK$1,518/mo
Today · 4.125%
HK$58,781
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,562/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,154
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,026
−HK$1,901/mo
Today · 4.125%
HK$63,927
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,854/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,921
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,716
−HK$1,821/mo
Today · 4.125%
HK$70,537
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,074/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,180
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,363
−HK$2,218/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$79,119
+HK$4,538/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,075
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,169
−HK$2,124/mo
Today · 4.125%
HK$82,293
baseline
▲ 0.50% · 4.625%
HK$86,631
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,586/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,232
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,038
−HK$2,852/mo
Today · 4.125%
HK$95,890
baseline
▲ 0.50% · 4.625%
HK$101,725
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,780/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,382
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,074
−HK$2,731/mo
Today · 4.125%
HK$105,805
baseline
▲ 0.50% · 4.625%
HK$111,382
+HK$5,577/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,610/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,312 · Scale 2, in force from 26 Feb 2026)