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$50,131
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,584/mo
Today · 4.125%
HK$53,275
baseline
▲ 0.50% · 4.625%
HK$56,516
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,550/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,770
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,266
−HK$1,518/mo
Today · 4.125%
HK$58,784
baseline
▲ 0.50% · 4.625%
HK$61,882
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,568/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,157
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,029
−HK$1,901/mo
Today · 4.125%
HK$63,930
baseline
▲ 0.50% · 4.625%
HK$67,820
+HK$3,890/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,860/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,925
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,719
−HK$1,821/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,259
+HK$3,719/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,184
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,367
−HK$2,218/mo
Today · 4.125%
HK$74,585
baseline
▲ 0.50% · 4.625%
HK$79,123
+HK$4,538/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,170/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,079
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,173
−HK$2,124/mo
Today · 4.125%
HK$82,297
baseline
▲ 0.50% · 4.625%
HK$86,635
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,594/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,236
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,043
−HK$2,852/mo
Today · 4.125%
HK$95,895
baseline
▲ 0.50% · 4.625%
HK$101,730
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,790/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,387
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,079
−HK$2,731/mo
Today · 4.125%
HK$105,810
baseline
▲ 0.50% · 4.625%
HK$111,388
+HK$5,578/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,620/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,358 · Scale 2, in force from 26 Feb 2026)