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$50,125
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,684
−HK$1,584/mo
Today · 4.125%
HK$53,268
baseline
▲ 0.50% · 4.625%
HK$56,509
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,536/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,763
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,259
−HK$1,517/mo
Today · 4.125%
HK$58,776
baseline
▲ 0.50% · 4.625%
HK$61,874
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,552/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,150
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,021
−HK$1,901/mo
Today · 4.125%
HK$63,922
baseline
▲ 0.50% · 4.625%
HK$67,811
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,844/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,916
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,711
−HK$1,820/mo
Today · 4.125%
HK$70,531
baseline
▲ 0.50% · 4.625%
HK$74,249
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,062/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,175
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,358
−HK$2,217/mo
Today · 4.125%
HK$74,575
baseline
▲ 0.50% · 4.625%
HK$79,113
+HK$4,538/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$149,150/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,069
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,162
−HK$2,125/mo
Today · 4.125%
HK$82,287
baseline
▲ 0.50% · 4.625%
HK$86,624
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$164,574/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,225
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,031
−HK$2,852/mo
Today · 4.125%
HK$95,883
baseline
▲ 0.50% · 4.625%
HK$101,717
+HK$5,834/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,766/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,374
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,066
−HK$2,731/mo
Today · 4.125%
HK$105,797
baseline
▲ 0.50% · 4.625%
HK$111,374
+HK$5,577/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,594/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,240 · Scale 2, in force from 26 Feb 2026)