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$50,036
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,593
−HK$1,581/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$56,410
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,665
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,158
−HK$1,515/mo
Today · 4.125%
HK$58,673
baseline
▲ 0.50% · 4.625%
HK$61,765
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,346/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,044
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,911
−HK$1,898/mo
Today · 4.125%
HK$63,809
baseline
▲ 0.50% · 4.625%
HK$67,692
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,618/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,798
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,590
−HK$1,817/mo
Today · 4.125%
HK$70,407
baseline
▲ 0.50% · 4.625%
HK$74,118
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,814/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,051
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,230
−HK$2,214/mo
Today · 4.125%
HK$74,444
baseline
▲ 0.50% · 4.625%
HK$78,974
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,888/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,931
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,121/mo
Today · 4.125%
HK$82,142
baseline
▲ 0.50% · 4.625%
HK$86,471
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,284/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,066
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,867
−HK$2,847/mo
Today · 4.125%
HK$95,714
baseline
▲ 0.50% · 4.625%
HK$101,538
+HK$5,824/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,428/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,197
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,884
−HK$2,727/mo
Today · 4.125%
HK$105,611
baseline
▲ 0.50% · 4.625%
HK$111,177
+HK$5,566/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,222/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,593 · Scale 2, in force from 26 Feb 2026)