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$50,058
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,615
−HK$1,582/mo
Today · 4.125%
HK$53,197
baseline
▲ 0.50% · 4.625%
HK$56,434
+HK$3,237/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,394/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,689
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,182
−HK$1,516/mo
Today · 4.125%
HK$58,698
baseline
▲ 0.50% · 4.625%
HK$61,792
+HK$3,094/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,396/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,069
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,938
−HK$1,898/mo
Today · 4.125%
HK$63,836
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,885/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,672/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,827
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$1,818/mo
Today · 4.125%
HK$70,437
baseline
▲ 0.50% · 4.625%
HK$74,150
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,874/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,081
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,261
−HK$2,215/mo
Today · 4.125%
HK$74,476
baseline
▲ 0.50% · 4.625%
HK$79,007
+HK$4,531/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,952/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,964
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,055
−HK$2,122/mo
Today · 4.125%
HK$82,177
baseline
▲ 0.50% · 4.625%
HK$86,508
+HK$4,331/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,354/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,104
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,907
−HK$2,847/mo
Today · 4.125%
HK$95,754
baseline
▲ 0.50% · 4.625%
HK$101,581
+HK$5,827/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,508/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,240
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,928
−HK$2,728/mo
Today · 4.125%
HK$105,656
baseline
▲ 0.50% · 4.625%
HK$111,225
+HK$5,569/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,312/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,991 · Scale 2, in force from 26 Feb 2026)