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$50,038
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,594
−HK$1,582/mo
Today · 4.125%
HK$53,176
baseline
▲ 0.50% · 4.625%
HK$56,411
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,352/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,667
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,160
−HK$1,514/mo
Today · 4.125%
HK$58,674
baseline
▲ 0.50% · 4.625%
HK$61,767
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,348/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,046
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,913
−HK$1,898/mo
Today · 4.125%
HK$63,811
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,622/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,800
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,592
−HK$1,817/mo
Today · 4.125%
HK$70,409
baseline
▲ 0.50% · 4.625%
HK$74,120
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,818/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,053
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,232
−HK$2,214/mo
Today · 4.125%
HK$74,446
baseline
▲ 0.50% · 4.625%
HK$78,976
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,892/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,933
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,024
−HK$2,120/mo
Today · 4.125%
HK$82,144
baseline
▲ 0.50% · 4.625%
HK$86,474
+HK$4,330/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,288/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,068
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,870
−HK$2,846/mo
Today · 4.125%
HK$95,716
baseline
▲ 0.50% · 4.625%
HK$101,541
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,432/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,200
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,888
−HK$2,726/mo
Today · 4.125%
HK$105,614
baseline
▲ 0.50% · 4.625%
HK$111,181
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,228/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,622 · Scale 2, in force from 26 Feb 2026)