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$50,025
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,581
−HK$1,581/mo
Today · 4.125%
HK$53,162
baseline
▲ 0.50% · 4.625%
HK$56,397
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,324/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,653
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,145
−HK$1,514/mo
Today · 4.125%
HK$58,659
baseline
▲ 0.50% · 4.625%
HK$61,751
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,318/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,030
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,897/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,676
+HK$3,881/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,783
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,574
−HK$1,817/mo
Today · 4.125%
HK$70,391
baseline
▲ 0.50% · 4.625%
HK$74,102
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$140,782/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,035
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,214
−HK$2,213/mo
Today · 4.125%
HK$74,427
baseline
▲ 0.50% · 4.625%
HK$78,956
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,854/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,914
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,003
−HK$2,120/mo
Today · 4.125%
HK$82,123
baseline
▲ 0.50% · 4.625%
HK$86,452
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,246/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,045
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,846
−HK$2,846/mo
Today · 4.125%
HK$95,692
baseline
▲ 0.50% · 4.625%
HK$101,515
+HK$5,823/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,384/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,175
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,861
−HK$2,726/mo
Today · 4.125%
HK$105,587
baseline
▲ 0.50% · 4.625%
HK$111,152
+HK$5,565/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,174/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,383 · Scale 2, in force from 26 Feb 2026)