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$50,132
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,585/mo
Today · 4.125%
HK$53,276
baseline
▲ 0.50% · 4.625%
HK$56,517
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,552/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,771
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,267
−HK$1,517/mo
Today · 4.125%
HK$58,784
baseline
▲ 0.50% · 4.625%
HK$61,883
+HK$3,099/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$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,158
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,029
−HK$1,902/mo
Today · 4.125%
HK$63,931
baseline
▲ 0.50% · 4.625%
HK$67,821
+HK$3,890/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,862/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,925
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,720
−HK$1,821/mo
Today · 4.125%
HK$70,541
baseline
▲ 0.50% · 4.625%
HK$74,259
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,082/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,185
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,368
−HK$2,218/mo
Today · 4.125%
HK$74,586
baseline
▲ 0.50% · 4.625%
HK$79,124
+HK$4,538/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$149,172/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,080
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,174
−HK$2,124/mo
Today · 4.125%
HK$82,298
baseline
▲ 0.50% · 4.625%
HK$86,636
+HK$4,338/mo
Deposit HK$6.60M · loan HK$15.39M · min. income ≈ HK$164,596/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,237
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,044
−HK$2,852/mo
Today · 4.125%
HK$95,896
baseline
▲ 0.50% · 4.625%
HK$101,731
+HK$5,835/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$191,792/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,388
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,080
−HK$2,732/mo
Today · 4.125%
HK$105,812
baseline
▲ 0.50% · 4.625%
HK$111,389
+HK$5,577/mo
Deposit HK$2.20M · loan HK$19.79M · min. income ≈ HK$211,624/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,370 · Scale 2, in force from 26 Feb 2026)