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$50,068
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,626
−HK$1,582/mo
Today · 4.125%
HK$53,208
baseline
▲ 0.50% · 4.625%
HK$56,445
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,416/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,700
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,194
−HK$1,516/mo
Today · 4.125%
HK$58,710
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,094/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,420/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,082
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,951
−HK$1,898/mo
Today · 4.125%
HK$63,849
baseline
▲ 0.50% · 4.625%
HK$67,735
+HK$3,886/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,698/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,840
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,633
−HK$1,819/mo
Today · 4.125%
HK$70,452
baseline
▲ 0.50% · 4.625%
HK$74,165
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,904/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,095
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,276
−HK$2,215/mo
Today · 4.125%
HK$74,491
baseline
▲ 0.50% · 4.625%
HK$79,024
+HK$4,533/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,982/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,980
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,072
−HK$2,122/mo
Today · 4.125%
HK$82,194
baseline
▲ 0.50% · 4.625%
HK$86,526
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,388/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,123
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,926
−HK$2,848/mo
Today · 4.125%
HK$95,774
baseline
▲ 0.50% · 4.625%
HK$101,602
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,548/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,261
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,950
−HK$2,727/mo
Today · 4.125%
HK$105,677
baseline
▲ 0.50% · 4.625%
HK$111,248
+HK$5,571/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,354/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,184 · Scale 2, in force from 26 Feb 2026)