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$50,069
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,627
−HK$1,582/mo
Today · 4.125%
HK$53,209
baseline
▲ 0.50% · 4.625%
HK$56,447
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,418/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,701
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,195
−HK$1,516/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$61,806
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,083
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,899/mo
Today · 4.125%
HK$63,851
baseline
▲ 0.50% · 4.625%
HK$67,736
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,702/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,842
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,634
−HK$1,819/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,167
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,906/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,097
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,277
−HK$2,216/mo
Today · 4.125%
HK$74,493
baseline
▲ 0.50% · 4.625%
HK$79,025
+HK$4,532/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,986/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,982
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,073
−HK$2,122/mo
Today · 4.125%
HK$82,195
baseline
▲ 0.50% · 4.625%
HK$86,528
+HK$4,333/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,390/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,124
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,928
−HK$2,848/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$101,604
+HK$5,828/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,263
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,952
−HK$2,727/mo
Today · 4.125%
HK$105,679
baseline
▲ 0.50% · 4.625%
HK$111,250
+HK$5,571/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,358/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,202 · Scale 2, in force from 26 Feb 2026)