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$50,040
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,596
−HK$1,582/mo
Today · 4.125%
HK$53,178
baseline
▲ 0.50% · 4.625%
HK$56,413
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,356/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,669
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,162
−HK$1,514/mo
Today · 4.125%
HK$58,676
baseline
▲ 0.50% · 4.625%
HK$61,769
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,352/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,048
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,915
−HK$1,898/mo
Today · 4.125%
HK$63,813
baseline
▲ 0.50% · 4.625%
HK$67,696
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,626/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,802
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,594
−HK$1,818/mo
Today · 4.125%
HK$70,412
baseline
▲ 0.50% · 4.625%
HK$74,123
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,824/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,056
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,235
−HK$2,214/mo
Today · 4.125%
HK$74,449
baseline
▲ 0.50% · 4.625%
HK$78,979
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,898/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,936
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,026
−HK$2,121/mo
Today · 4.125%
HK$82,147
baseline
▲ 0.50% · 4.625%
HK$86,477
+HK$4,330/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,294/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,071
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,873
−HK$2,847/mo
Today · 4.125%
HK$95,720
baseline
▲ 0.50% · 4.625%
HK$101,544
+HK$5,824/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,440/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,204
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,891
−HK$2,726/mo
Today · 4.125%
HK$105,617
baseline
▲ 0.50% · 4.625%
HK$111,184
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,234/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,653 · Scale 2, in force from 26 Feb 2026)