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$50,017
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,572
−HK$1,581/mo
Today · 4.125%
HK$53,153
baseline
▲ 0.50% · 4.625%
HK$56,387
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,306/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,135
−HK$1,514/mo
Today · 4.125%
HK$58,649
baseline
▲ 0.50% · 4.625%
HK$61,741
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,298/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,020
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,887
−HK$1,897/mo
Today · 4.125%
HK$63,784
baseline
▲ 0.50% · 4.625%
HK$67,665
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,568/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,772
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,562
−HK$1,817/mo
Today · 4.125%
HK$70,379
baseline
▲ 0.50% · 4.625%
HK$74,089
+HK$3,710/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,758/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,023
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,201
−HK$2,213/mo
Today · 4.125%
HK$74,414
baseline
▲ 0.50% · 4.625%
HK$78,942
+HK$4,528/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,828/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,900
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,989
−HK$2,120/mo
Today · 4.125%
HK$82,109
baseline
▲ 0.50% · 4.625%
HK$86,437
+HK$4,328/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,218/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,030
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,830
−HK$2,846/mo
Today · 4.125%
HK$95,676
baseline
▲ 0.50% · 4.625%
HK$101,497
+HK$5,821/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,352/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,157
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,843
−HK$2,725/mo
Today · 4.125%
HK$105,568
baseline
▲ 0.50% · 4.625%
HK$111,133
+HK$5,565/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,136/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,222 · Scale 2, in force from 26 Feb 2026)