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$50,083
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,641
−HK$1,583/mo
Today · 4.125%
HK$53,224
baseline
▲ 0.50% · 4.625%
HK$56,462
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,448/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,717
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,211
−HK$1,516/mo
Today · 4.125%
HK$58,727
baseline
▲ 0.50% · 4.625%
HK$61,823
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,454/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,100
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,969
−HK$1,899/mo
Today · 4.125%
HK$63,868
baseline
▲ 0.50% · 4.625%
HK$67,755
+HK$3,887/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,736/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,860
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,653
−HK$1,820/mo
Today · 4.125%
HK$70,473
baseline
▲ 0.50% · 4.625%
HK$74,187
+HK$3,714/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,946/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,116
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,297
−HK$2,216/mo
Today · 4.125%
HK$74,513
baseline
▲ 0.50% · 4.625%
HK$79,047
+HK$4,534/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$149,026/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,004
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,096
−HK$2,122/mo
Today · 4.125%
HK$82,218
baseline
▲ 0.50% · 4.625%
HK$86,552
+HK$4,334/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,436/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,150
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,954
−HK$2,849/mo
Today · 4.125%
HK$95,803
baseline
▲ 0.50% · 4.625%
HK$101,632
+HK$5,829/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,606/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,290
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,980
−HK$2,729/mo
Today · 4.125%
HK$105,709
baseline
▲ 0.50% · 4.625%
HK$111,281
+HK$5,572/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,418/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,462 · Scale 2, in force from 26 Feb 2026)