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$50,044
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,581/mo
Today · 4.125%
HK$53,182
baseline
▲ 0.50% · 4.625%
HK$56,418
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,364/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,674
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,167
−HK$1,515/mo
Today · 4.125%
HK$58,682
baseline
▲ 0.50% · 4.625%
HK$61,775
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,364/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,053
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,921
−HK$1,898/mo
Today · 4.125%
HK$63,819
baseline
▲ 0.50% · 4.625%
HK$67,702
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,638/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,808
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,600
−HK$1,818/mo
Today · 4.125%
HK$70,418
baseline
▲ 0.50% · 4.625%
HK$74,130
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,836/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,062
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,241
−HK$2,214/mo
Today · 4.125%
HK$74,455
baseline
▲ 0.50% · 4.625%
HK$78,986
+HK$4,531/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,910/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,943
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,034
−HK$2,120/mo
Today · 4.125%
HK$82,154
baseline
▲ 0.50% · 4.625%
HK$86,485
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,308/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,080
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,882
−HK$2,846/mo
Today · 4.125%
HK$95,728
baseline
▲ 0.50% · 4.625%
HK$101,553
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,456/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,213
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,900
−HK$2,727/mo
Today · 4.125%
HK$105,627
baseline
▲ 0.50% · 4.625%
HK$111,195
+HK$5,568/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,254/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,737 · Scale 2, in force from 26 Feb 2026)