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$50,120
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,679
−HK$1,584/mo
Today · 4.125%
HK$53,263
baseline
▲ 0.50% · 4.625%
HK$56,504
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,526/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,758
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,254
−HK$1,517/mo
Today · 4.125%
HK$58,771
baseline
▲ 0.50% · 4.625%
HK$61,868
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,542/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,144
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,015
−HK$1,901/mo
Today · 4.125%
HK$63,916
baseline
▲ 0.50% · 4.625%
HK$67,805
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,832/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,910
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,704
−HK$1,821/mo
Today · 4.125%
HK$70,525
baseline
▲ 0.50% · 4.625%
HK$74,242
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,050/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,168
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,351
−HK$2,217/mo
Today · 4.125%
HK$74,568
baseline
▲ 0.50% · 4.625%
HK$79,106
+HK$4,538/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$149,136/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,061
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,155
−HK$2,124/mo
Today · 4.125%
HK$82,279
baseline
▲ 0.50% · 4.625%
HK$86,616
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$164,558/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,216
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,022
−HK$2,852/mo
Today · 4.125%
HK$95,874
baseline
▲ 0.50% · 4.625%
HK$101,707
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,748/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,365
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,056
−HK$2,731/mo
Today · 4.125%
HK$105,787
baseline
▲ 0.50% · 4.625%
HK$111,363
+HK$5,576/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,574/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,152 · Scale 2, in force from 26 Feb 2026)