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$50,033
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,581/mo
Today · 4.125%
HK$53,170
baseline
▲ 0.50% · 4.625%
HK$56,406
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,340/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,661
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,154
−HK$1,514/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$61,761
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,039
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,897/mo
Today · 4.125%
HK$63,804
baseline
▲ 0.50% · 4.625%
HK$67,687
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,608/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,585
−HK$1,817/mo
Today · 4.125%
HK$70,402
baseline
▲ 0.50% · 4.625%
HK$74,113
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,804/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,046
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,225
−HK$2,214/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,968
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,926
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,015
−HK$2,121/mo
Today · 4.125%
HK$82,136
baseline
▲ 0.50% · 4.625%
HK$86,465
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,272/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,059
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,861
−HK$2,846/mo
Today · 4.125%
HK$95,707
baseline
▲ 0.50% · 4.625%
HK$101,530
+HK$5,823/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,414/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,190
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,877
−HK$2,726/mo
Today · 4.125%
HK$105,603
baseline
▲ 0.50% · 4.625%
HK$111,169
+HK$5,566/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,206/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,527 · Scale 2, in force from 26 Feb 2026)