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$50,006
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,562
−HK$1,580/mo
Today · 4.125%
HK$53,142
baseline
▲ 0.50% · 4.625%
HK$56,376
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,284/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,631
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,123
−HK$1,514/mo
Today · 4.125%
HK$58,637
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,091/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,274/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,007
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,874
−HK$1,896/mo
Today · 4.125%
HK$63,770
baseline
▲ 0.50% · 4.625%
HK$67,651
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,540/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,758
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,548
−HK$1,816/mo
Today · 4.125%
HK$70,364
baseline
▲ 0.50% · 4.625%
HK$74,073
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,728/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,009
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,186
−HK$2,213/mo
Today · 4.125%
HK$74,399
baseline
▲ 0.50% · 4.625%
HK$78,926
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,798/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,884
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,973
−HK$2,119/mo
Today · 4.125%
HK$82,092
baseline
▲ 0.50% · 4.625%
HK$86,419
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,184/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,011
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,811
−HK$2,845/mo
Today · 4.125%
HK$95,656
baseline
▲ 0.50% · 4.625%
HK$101,476
+HK$5,820/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,312/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,136
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,822
−HK$2,725/mo
Today · 4.125%
HK$105,547
baseline
▲ 0.50% · 4.625%
HK$111,110
+HK$5,563/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,094/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,029 · Scale 2, in force from 26 Feb 2026)