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$50,098
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,583/mo
Today · 4.125%
HK$53,240
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$3,239/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,480/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,734
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,517/mo
Today · 4.125%
HK$58,745
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,096/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,490/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,118
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,900/mo
Today · 4.125%
HK$63,888
baseline
▲ 0.50% · 4.625%
HK$67,775
+HK$3,887/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,776/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,880
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,674
−HK$1,820/mo
Today · 4.125%
HK$70,494
baseline
▲ 0.50% · 4.625%
HK$74,210
+HK$3,716/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,988/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,319
−HK$2,217/mo
Today · 4.125%
HK$74,536
baseline
▲ 0.50% · 4.625%
HK$79,071
+HK$4,535/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,072/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,027
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,120
−HK$2,123/mo
Today · 4.125%
HK$82,243
baseline
▲ 0.50% · 4.625%
HK$86,578
+HK$4,335/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,486/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,177
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,982
−HK$2,850/mo
Today · 4.125%
HK$95,832
baseline
▲ 0.50% · 4.625%
HK$101,663
+HK$5,831/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,664/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,321
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,011
−HK$2,730/mo
Today · 4.125%
HK$105,741
baseline
▲ 0.50% · 4.625%
HK$111,314
+HK$5,573/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,482/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,743 · Scale 2, in force from 26 Feb 2026)