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$50,049
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,582/mo
Today · 4.125%
HK$53,188
baseline
▲ 0.50% · 4.625%
HK$56,424
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,376/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,172
−HK$1,515/mo
Today · 4.125%
HK$58,687
baseline
▲ 0.50% · 4.625%
HK$61,781
+HK$3,094/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,374/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,059
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,927
−HK$1,898/mo
Today · 4.125%
HK$63,825
baseline
▲ 0.50% · 4.625%
HK$67,709
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,650/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,815
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,607
−HK$1,818/mo
Today · 4.125%
HK$70,425
baseline
▲ 0.50% · 4.625%
HK$74,137
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,850/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,069
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,248
−HK$2,215/mo
Today · 4.125%
HK$74,463
baseline
▲ 0.50% · 4.625%
HK$78,994
+HK$4,531/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,926/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,951
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,041
−HK$2,121/mo
Today · 4.125%
HK$82,162
baseline
▲ 0.50% · 4.625%
HK$86,493
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,324/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,088
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,891
−HK$2,847/mo
Today · 4.125%
HK$95,738
baseline
▲ 0.50% · 4.625%
HK$101,563
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,476/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,223
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,910
−HK$2,727/mo
Today · 4.125%
HK$105,637
baseline
▲ 0.50% · 4.625%
HK$111,206
+HK$5,569/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,274/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,830 · Scale 2, in force from 26 Feb 2026)