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$3,139/mo
▼ 0.25% · 3.875%
HK$51,620
−HK$1,582/mo
Today · 4.125%
HK$53,202
baseline
▲ 0.50% · 4.625%
HK$56,439
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,404/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,694
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,188
−HK$1,515/mo
Today · 4.125%
HK$58,703
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,406/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,075
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,944
−HK$1,899/mo
Today · 4.125%
HK$63,843
baseline
▲ 0.50% · 4.625%
HK$67,727
+HK$3,884/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$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,833
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,626
−HK$1,818/mo
Today · 4.125%
HK$70,444
baseline
▲ 0.50% · 4.625%
HK$74,157
+HK$3,713/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$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,268
−HK$2,215/mo
Today · 4.125%
HK$74,483
baseline
▲ 0.50% · 4.625%
HK$79,015
+HK$4,532/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,966/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,972
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,063
−HK$2,122/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$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,113
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,916
−HK$2,848/mo
Today · 4.125%
HK$95,764
baseline
▲ 0.50% · 4.625%
HK$101,591
+HK$5,827/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,528/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,250
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,938
−HK$2,728/mo
Today · 4.125%
HK$105,666
baseline
▲ 0.50% · 4.625%
HK$111,236
+HK$5,570/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,332/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,082 · Scale 2, in force from 26 Feb 2026)