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$50,051
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,608
−HK$1,582/mo
Today · 4.125%
HK$53,190
baseline
▲ 0.50% · 4.625%
HK$56,426
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,380/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,681
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,515/mo
Today · 4.125%
HK$58,690
baseline
▲ 0.50% · 4.625%
HK$61,783
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,380/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,061
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,930
−HK$1,898/mo
Today · 4.125%
HK$63,828
baseline
▲ 0.50% · 4.625%
HK$67,712
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,656/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,818
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,610
−HK$1,818/mo
Today · 4.125%
HK$70,428
baseline
▲ 0.50% · 4.625%
HK$74,140
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,856/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,072
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,251
−HK$2,215/mo
Today · 4.125%
HK$74,466
baseline
▲ 0.50% · 4.625%
HK$78,997
+HK$4,531/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,932/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,954
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,045
−HK$2,121/mo
Today · 4.125%
HK$82,166
baseline
▲ 0.50% · 4.625%
HK$86,497
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,332/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,092
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,894
−HK$2,848/mo
Today · 4.125%
HK$95,742
baseline
▲ 0.50% · 4.625%
HK$101,567
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,484/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,227
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,915
−HK$2,726/mo
Today · 4.125%
HK$105,641
baseline
▲ 0.50% · 4.625%
HK$111,210
+HK$5,569/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,282/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,867 · Scale 2, in force from 26 Feb 2026)