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$50,030
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,586
−HK$1,581/mo
Today · 4.125%
HK$53,167
baseline
▲ 0.50% · 4.625%
HK$56,402
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,334/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,658
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,150
−HK$1,515/mo
Today · 4.125%
HK$58,665
baseline
▲ 0.50% · 4.625%
HK$61,757
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,330/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,903
−HK$1,898/mo
Today · 4.125%
HK$63,801
baseline
▲ 0.50% · 4.625%
HK$67,683
+HK$3,882/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$127,602/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,789
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,581
−HK$1,817/mo
Today · 4.125%
HK$70,398
baseline
▲ 0.50% · 4.625%
HK$74,108
+HK$3,710/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$140,796/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,042
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,221
−HK$2,213/mo
Today · 4.125%
HK$74,434
baseline
▲ 0.50% · 4.625%
HK$78,963
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,868/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,921
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,011
−HK$2,120/mo
Today · 4.125%
HK$82,131
baseline
▲ 0.50% · 4.625%
HK$86,460
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,262/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,054
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,855
−HK$2,846/mo
Today · 4.125%
HK$95,701
baseline
▲ 0.50% · 4.625%
HK$101,524
+HK$5,823/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,402/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,184
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,871
−HK$2,726/mo
Today · 4.125%
HK$105,597
baseline
▲ 0.50% · 4.625%
HK$111,163
+HK$5,566/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,194/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,471 · Scale 2, in force from 26 Feb 2026)