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$50,119
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,678
−HK$1,584/mo
Today · 4.125%
HK$53,262
baseline
▲ 0.50% · 4.625%
HK$56,502
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,524/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,757
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,252
−HK$1,517/mo
Today · 4.125%
HK$58,769
baseline
▲ 0.50% · 4.625%
HK$61,867
+HK$3,098/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,538/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,142
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,013
−HK$1,901/mo
Today · 4.125%
HK$63,914
baseline
▲ 0.50% · 4.625%
HK$67,803
+HK$3,889/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,828/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,908
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,702
−HK$1,821/mo
Today · 4.125%
HK$70,523
baseline
▲ 0.50% · 4.625%
HK$74,240
+HK$3,717/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,046/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,166
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,349
−HK$2,217/mo
Today · 4.125%
HK$74,566
baseline
▲ 0.50% · 4.625%
HK$79,103
+HK$4,537/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$149,132/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,059
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,153
−HK$2,123/mo
Today · 4.125%
HK$82,276
baseline
▲ 0.50% · 4.625%
HK$86,613
+HK$4,337/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$164,552/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,214
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,020
−HK$2,851/mo
Today · 4.125%
HK$95,871
baseline
▲ 0.50% · 4.625%
HK$101,704
+HK$5,833/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,742/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,362
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,053
−HK$2,731/mo
Today · 4.125%
HK$105,784
baseline
▲ 0.50% · 4.625%
HK$111,360
+HK$5,576/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,568/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,125 · Scale 2, in force from 26 Feb 2026)