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$50,079
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,637
−HK$1,582/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$3,239/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,712
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,516/mo
Today · 4.125%
HK$58,722
baseline
▲ 0.50% · 4.625%
HK$61,818
+HK$3,096/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,444/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,095
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,899/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,886/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,855
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$1,819/mo
Today · 4.125%
HK$70,467
baseline
▲ 0.50% · 4.625%
HK$74,181
+HK$3,714/mo
Deposit HK$8.78M · loan HK$13.18M · min. income ≈ HK$140,934/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,111
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,291
−HK$2,216/mo
Today · 4.125%
HK$74,507
baseline
▲ 0.50% · 4.625%
HK$79,041
+HK$4,534/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$149,014/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,997
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,089
−HK$2,122/mo
Today · 4.125%
HK$82,211
baseline
▲ 0.50% · 4.625%
HK$86,545
+HK$4,334/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,422/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,142
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,946
−HK$2,849/mo
Today · 4.125%
HK$95,795
baseline
▲ 0.50% · 4.625%
HK$101,624
+HK$5,829/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,590/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,282
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,972
−HK$2,728/mo
Today · 4.125%
HK$105,700
baseline
▲ 0.50% · 4.625%
HK$111,272
+HK$5,572/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,400/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,385 · Scale 2, in force from 26 Feb 2026)