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$50,093
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,651
−HK$1,583/mo
Today · 4.125%
HK$53,234
baseline
▲ 0.50% · 4.625%
HK$56,474
+HK$3,240/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,468/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,728
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,516/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$61,835
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,112
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,899/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,768
+HK$3,887/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,874
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,667
−HK$1,820/mo
Today · 4.125%
HK$70,487
baseline
▲ 0.50% · 4.625%
HK$74,202
+HK$3,715/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,974/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,130
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,312
−HK$2,216/mo
Today · 4.125%
HK$74,528
baseline
▲ 0.50% · 4.625%
HK$79,063
+HK$4,535/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,056/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,019
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,112
−HK$2,122/mo
Today · 4.125%
HK$82,234
baseline
▲ 0.50% · 4.625%
HK$86,569
+HK$4,335/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,468/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,168
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,972
−HK$2,850/mo
Today · 4.125%
HK$95,822
baseline
▲ 0.50% · 4.625%
HK$101,652
+HK$5,830/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,644/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,311
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$103,001
−HK$2,729/mo
Today · 4.125%
HK$105,730
baseline
▲ 0.50% · 4.625%
HK$111,303
+HK$5,573/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,460/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,649 · Scale 2, in force from 26 Feb 2026)