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$50,043
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,600
−HK$1,581/mo
Today · 4.125%
HK$53,181
baseline
▲ 0.50% · 4.625%
HK$56,417
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,362/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,673
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,514/mo
Today · 4.125%
HK$58,680
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,360/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,052
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,920
−HK$1,898/mo
Today · 4.125%
HK$63,818
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,636/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,807
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,599
−HK$1,817/mo
Today · 4.125%
HK$70,416
baseline
▲ 0.50% · 4.625%
HK$74,128
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,832/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,060
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,240
−HK$2,214/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,984
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,942
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,032
−HK$2,121/mo
Today · 4.125%
HK$82,153
baseline
▲ 0.50% · 4.625%
HK$86,483
+HK$4,330/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,306/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,078
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,880
−HK$2,846/mo
Today · 4.125%
HK$95,726
baseline
▲ 0.50% · 4.625%
HK$101,551
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,452/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,211
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,898
−HK$2,727/mo
Today · 4.125%
HK$105,625
baseline
▲ 0.50% · 4.625%
HK$111,192
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,250/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,718 · Scale 2, in force from 26 Feb 2026)