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$50,063
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,620
−HK$1,583/mo
Today · 4.125%
HK$53,203
baseline
▲ 0.50% · 4.625%
HK$56,440
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,406/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,695
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,188
−HK$1,516/mo
Today · 4.125%
HK$58,704
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,094/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,408/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,076
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,944
−HK$1,899/mo
Today · 4.125%
HK$63,843
baseline
▲ 0.50% · 4.625%
HK$67,728
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,686/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,834
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,626
−HK$1,818/mo
Today · 4.125%
HK$70,444
baseline
▲ 0.50% · 4.625%
HK$74,158
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,888/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,269
−HK$2,215/mo
Today · 4.125%
HK$74,484
baseline
▲ 0.50% · 4.625%
HK$79,016
+HK$4,532/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,968/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,973
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,064
−HK$2,121/mo
Today · 4.125%
HK$82,185
baseline
▲ 0.50% · 4.625%
HK$86,517
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,370/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,114
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,917
−HK$2,848/mo
Today · 4.125%
HK$95,765
baseline
▲ 0.50% · 4.625%
HK$101,592
+HK$5,827/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,530/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,250
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,939
−HK$2,728/mo
Today · 4.125%
HK$105,667
baseline
▲ 0.50% · 4.625%
HK$111,237
+HK$5,570/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,334/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,090 · Scale 2, in force from 26 Feb 2026)