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$50,034
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,590
−HK$1,582/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,662
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,155
−HK$1,515/mo
Today · 4.125%
HK$58,670
baseline
▲ 0.50% · 4.625%
HK$61,762
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,340/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,041
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,908
−HK$1,898/mo
Today · 4.125%
HK$63,806
baseline
▲ 0.50% · 4.625%
HK$67,688
+HK$3,882/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,612/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,795
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,586
−HK$1,817/mo
Today · 4.125%
HK$70,403
baseline
▲ 0.50% · 4.625%
HK$74,114
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,806/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,048
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,226
−HK$2,214/mo
Today · 4.125%
HK$74,440
baseline
▲ 0.50% · 4.625%
HK$78,970
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,880/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,927
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,017
−HK$2,120/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$86,467
+HK$4,330/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,061
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,862
−HK$2,847/mo
Today · 4.125%
HK$95,709
baseline
▲ 0.50% · 4.625%
HK$101,532
+HK$5,823/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,418/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,192
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,879
−HK$2,726/mo
Today · 4.125%
HK$105,605
baseline
▲ 0.50% · 4.625%
HK$111,172
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,210/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,546 · Scale 2, in force from 26 Feb 2026)