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$50,098
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,656
−HK$1,583/mo
Today · 4.125%
HK$53,239
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,478/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,516/mo
Today · 4.125%
HK$58,744
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,488/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,117
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,987
−HK$1,900/mo
Today · 4.125%
HK$63,887
baseline
▲ 0.50% · 4.625%
HK$67,774
+HK$3,887/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,774/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,880
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,673
−HK$1,820/mo
Today · 4.125%
HK$70,493
baseline
▲ 0.50% · 4.625%
HK$74,209
+HK$3,716/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,986/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,318
−HK$2,217/mo
Today · 4.125%
HK$74,535
baseline
▲ 0.50% · 4.625%
HK$79,070
+HK$4,535/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,070/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,026
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,119
−HK$2,123/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$86,577
+HK$4,335/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,484/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,176
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,981
−HK$2,850/mo
Today · 4.125%
HK$95,831
baseline
▲ 0.50% · 4.625%
HK$101,662
+HK$5,831/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,662/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,320
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,010
−HK$2,730/mo
Today · 4.125%
HK$105,740
baseline
▲ 0.50% · 4.625%
HK$111,313
+HK$5,573/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,480/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,733 · Scale 2, in force from 26 Feb 2026)