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$50,047
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,581/mo
Today · 4.125%
HK$53,185
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,370/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,677
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,515/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$61,778
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,056
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,898/mo
Today · 4.125%
HK$63,822
baseline
▲ 0.50% · 4.625%
HK$67,706
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,644/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,812
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,604
−HK$1,818/mo
Today · 4.125%
HK$70,422
baseline
▲ 0.50% · 4.625%
HK$74,134
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,844/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,066
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,245
−HK$2,214/mo
Today · 4.125%
HK$74,459
baseline
▲ 0.50% · 4.625%
HK$78,990
+HK$4,531/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,918/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,947
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,038
−HK$2,120/mo
Today · 4.125%
HK$82,158
baseline
▲ 0.50% · 4.625%
HK$86,489
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,316/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,084
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,886
−HK$2,847/mo
Today · 4.125%
HK$95,733
baseline
▲ 0.50% · 4.625%
HK$101,559
+HK$5,826/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,466/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,218
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,906
−HK$2,726/mo
Today · 4.125%
HK$105,632
baseline
▲ 0.50% · 4.625%
HK$111,200
+HK$5,568/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,264/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,786 · Scale 2, in force from 26 Feb 2026)