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$50,046
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,603
−HK$1,581/mo
Today · 4.125%
HK$53,184
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$3,237/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,368/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,676
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,169
−HK$1,515/mo
Today · 4.125%
HK$58,684
baseline
▲ 0.50% · 4.625%
HK$61,777
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,368/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,055
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,923
−HK$1,898/mo
Today · 4.125%
HK$63,821
baseline
▲ 0.50% · 4.625%
HK$67,705
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,642/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,811
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,603
−HK$1,817/mo
Today · 4.125%
HK$70,420
baseline
▲ 0.50% · 4.625%
HK$74,132
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,840/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,064
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,244
−HK$2,214/mo
Today · 4.125%
HK$74,458
baseline
▲ 0.50% · 4.625%
HK$78,989
+HK$4,531/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,916/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,946
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,036
−HK$2,121/mo
Today · 4.125%
HK$82,157
baseline
▲ 0.50% · 4.625%
HK$86,488
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,314/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,083
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,885
−HK$2,847/mo
Today · 4.125%
HK$95,732
baseline
▲ 0.50% · 4.625%
HK$101,557
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,464/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,216
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,904
−HK$2,727/mo
Today · 4.125%
HK$105,631
baseline
▲ 0.50% · 4.625%
HK$111,199
+HK$5,568/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,262/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,771 · Scale 2, in force from 26 Feb 2026)