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$50,019
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,575
−HK$1,581/mo
Today · 4.125%
HK$53,156
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,312/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,646
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,514/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$61,744
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,023
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,890
−HK$1,897/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,668
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,775
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,566
−HK$1,816/mo
Today · 4.125%
HK$70,382
baseline
▲ 0.50% · 4.625%
HK$74,092
+HK$3,710/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,764/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,026
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,205
−HK$2,213/mo
Today · 4.125%
HK$74,418
baseline
▲ 0.50% · 4.625%
HK$78,946
+HK$4,528/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,836/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,904
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,993
−HK$2,120/mo
Today · 4.125%
HK$82,113
baseline
▲ 0.50% · 4.625%
HK$86,441
+HK$4,328/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,226/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,034
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,835
−HK$2,845/mo
Today · 4.125%
HK$95,680
baseline
▲ 0.50% · 4.625%
HK$101,502
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,360/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,162
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,848
−HK$2,725/mo
Today · 4.125%
HK$105,573
baseline
▲ 0.50% · 4.625%
HK$111,138
+HK$5,565/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,146/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,266 · Scale 2, in force from 26 Feb 2026)