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$50,090
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,648
−HK$1,583/mo
Today · 4.125%
HK$53,231
baseline
▲ 0.50% · 4.625%
HK$56,470
+HK$3,239/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,462/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,724
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,219
−HK$1,516/mo
Today · 4.125%
HK$58,735
baseline
▲ 0.50% · 4.625%
HK$61,831
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,470/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,108
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,900/mo
Today · 4.125%
HK$63,877
baseline
▲ 0.50% · 4.625%
HK$67,764
+HK$3,887/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,754/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,869
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$1,820/mo
Today · 4.125%
HK$70,482
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$3,715/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,964/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,126
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,307
−HK$2,216/mo
Today · 4.125%
HK$74,523
baseline
▲ 0.50% · 4.625%
HK$79,058
+HK$4,535/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,046/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,014
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,106
−HK$2,123/mo
Today · 4.125%
HK$82,229
baseline
▲ 0.50% · 4.625%
HK$86,563
+HK$4,334/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,458/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,161
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,966
−HK$2,849/mo
Today · 4.125%
HK$95,815
baseline
▲ 0.50% · 4.625%
HK$101,645
+HK$5,830/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,630/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,304
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,994
−HK$2,729/mo
Today · 4.125%
HK$105,723
baseline
▲ 0.50% · 4.625%
HK$111,296
+HK$5,573/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,446/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,584 · Scale 2, in force from 26 Feb 2026)