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$50,014
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,581/mo
Today · 4.125%
HK$53,151
baseline
▲ 0.50% · 4.625%
HK$56,385
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,302/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,640
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,133
−HK$1,514/mo
Today · 4.125%
HK$58,647
baseline
▲ 0.50% · 4.625%
HK$61,738
+HK$3,091/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,294/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,017
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,884
−HK$1,897/mo
Today · 4.125%
HK$63,781
baseline
▲ 0.50% · 4.625%
HK$67,662
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,562/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,769
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,559
−HK$1,817/mo
Today · 4.125%
HK$70,376
baseline
▲ 0.50% · 4.625%
HK$74,085
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,752/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,020
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,198
−HK$2,213/mo
Today · 4.125%
HK$74,411
baseline
▲ 0.50% · 4.625%
HK$78,939
+HK$4,528/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,822/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,897
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,986
−HK$2,119/mo
Today · 4.125%
HK$82,105
baseline
▲ 0.50% · 4.625%
HK$86,433
+HK$4,328/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,210/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,026
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,826
−HK$2,845/mo
Today · 4.125%
HK$95,671
baseline
▲ 0.50% · 4.625%
HK$101,493
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,342/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,153
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,839
−HK$2,725/mo
Today · 4.125%
HK$105,564
baseline
▲ 0.50% · 4.625%
HK$111,128
+HK$5,564/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,128/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,180 · Scale 2, in force from 26 Feb 2026)