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$50,047
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,582/mo
Today · 4.125%
HK$53,186
baseline
▲ 0.50% · 4.625%
HK$56,422
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,372/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,677
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,515/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$61,778
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,925
−HK$1,898/mo
Today · 4.125%
HK$63,823
baseline
▲ 0.50% · 4.625%
HK$67,706
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,646/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,812
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,604
−HK$1,818/mo
Today · 4.125%
HK$70,422
baseline
▲ 0.50% · 4.625%
HK$74,134
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,844/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,066
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,245
−HK$2,215/mo
Today · 4.125%
HK$74,460
baseline
▲ 0.50% · 4.625%
HK$78,990
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,920/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,948
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,038
−HK$2,121/mo
Today · 4.125%
HK$82,159
baseline
▲ 0.50% · 4.625%
HK$86,490
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,318/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,085
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,887
−HK$2,847/mo
Today · 4.125%
HK$95,734
baseline
▲ 0.50% · 4.625%
HK$101,559
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,468/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,218
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,906
−HK$2,727/mo
Today · 4.125%
HK$105,633
baseline
▲ 0.50% · 4.625%
HK$111,201
+HK$5,568/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,266/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,792 · Scale 2, in force from 26 Feb 2026)