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$50,056
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,613
−HK$1,582/mo
Today · 4.125%
HK$53,195
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,390/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,687
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,181
−HK$1,515/mo
Today · 4.125%
HK$58,696
baseline
▲ 0.50% · 4.625%
HK$61,790
+HK$3,094/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,392/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,068
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,898/mo
Today · 4.125%
HK$63,834
baseline
▲ 0.50% · 4.625%
HK$67,719
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,668/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,825
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$1,818/mo
Today · 4.125%
HK$70,435
baseline
▲ 0.50% · 4.625%
HK$74,148
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,870/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,079
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,259
−HK$2,215/mo
Today · 4.125%
HK$74,474
baseline
▲ 0.50% · 4.625%
HK$79,005
+HK$4,531/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,948/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,962
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,053
−HK$2,121/mo
Today · 4.125%
HK$82,174
baseline
▲ 0.50% · 4.625%
HK$86,506
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,348/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,102
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,904
−HK$2,848/mo
Today · 4.125%
HK$95,752
baseline
▲ 0.50% · 4.625%
HK$101,578
+HK$5,826/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,504/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,237
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,925
−HK$2,728/mo
Today · 4.125%
HK$105,653
baseline
▲ 0.50% · 4.625%
HK$111,222
+HK$5,569/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,306/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,965 · Scale 2, in force from 26 Feb 2026)