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$50,007
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,563
−HK$1,580/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$56,377
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,286/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,632
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,124
−HK$1,514/mo
Today · 4.125%
HK$58,638
baseline
▲ 0.50% · 4.625%
HK$61,729
+HK$3,091/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,276/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,008
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,875
−HK$1,897/mo
Today · 4.125%
HK$63,772
baseline
▲ 0.50% · 4.625%
HK$67,652
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,544/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,759
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,549
−HK$1,817/mo
Today · 4.125%
HK$70,366
baseline
▲ 0.50% · 4.625%
HK$74,075
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,732/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,010
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,188
−HK$2,212/mo
Today · 4.125%
HK$74,400
baseline
▲ 0.50% · 4.625%
HK$78,927
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,800/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,885
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,974
−HK$2,119/mo
Today · 4.125%
HK$82,093
baseline
▲ 0.50% · 4.625%
HK$86,420
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,186/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,013
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,813
−HK$2,844/mo
Today · 4.125%
HK$95,657
baseline
▲ 0.50% · 4.625%
HK$101,478
+HK$5,821/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,314/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,138
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,824
−HK$2,724/mo
Today · 4.125%
HK$105,548
baseline
▲ 0.50% · 4.625%
HK$111,112
+HK$5,564/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,096/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,045 · Scale 2, in force from 26 Feb 2026)