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$50,127
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,686
−HK$1,584/mo
Today · 4.125%
HK$53,270
baseline
▲ 0.50% · 4.625%
HK$56,512
+HK$3,242/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,540/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,766
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,261
−HK$1,517/mo
Today · 4.125%
HK$58,778
baseline
▲ 0.50% · 4.625%
HK$61,877
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,556/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,152
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,023
−HK$1,901/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,814
+HK$3,890/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,919
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,713
−HK$1,821/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,252
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,177
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,360
−HK$2,218/mo
Today · 4.125%
HK$74,578
baseline
▲ 0.50% · 4.625%
HK$79,116
+HK$4,538/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$149,156/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,072
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,166
−HK$2,124/mo
Today · 4.125%
HK$82,290
baseline
▲ 0.50% · 4.625%
HK$86,627
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$164,580/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,228
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,035
−HK$2,851/mo
Today · 4.125%
HK$95,886
baseline
▲ 0.50% · 4.625%
HK$101,721
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,772/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,378
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,070
−HK$2,731/mo
Today · 4.125%
HK$105,801
baseline
▲ 0.50% · 4.625%
HK$111,378
+HK$5,577/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,602/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,276 · Scale 2, in force from 26 Feb 2026)