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$50,002
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,557
−HK$1,580/mo
Today · 4.125%
HK$53,137
baseline
▲ 0.50% · 4.625%
HK$56,371
+HK$3,234/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,274/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,626
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,118
−HK$1,514/mo
Today · 4.125%
HK$58,632
baseline
▲ 0.50% · 4.625%
HK$61,722
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,264/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,002
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,868
−HK$1,897/mo
Today · 4.125%
HK$63,765
baseline
▲ 0.50% · 4.625%
HK$67,645
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,530/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,752
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,542
−HK$1,816/mo
Today · 4.125%
HK$70,358
baseline
▲ 0.50% · 4.625%
HK$74,067
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,716/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,002
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,180
−HK$2,212/mo
Today · 4.125%
HK$74,392
baseline
▲ 0.50% · 4.625%
HK$78,919
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,784/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,877
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,966
−HK$2,118/mo
Today · 4.125%
HK$82,084
baseline
▲ 0.50% · 4.625%
HK$86,411
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,168/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,003
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,803
−HK$2,844/mo
Today · 4.125%
HK$95,647
baseline
▲ 0.50% · 4.625%
HK$101,467
+HK$5,820/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,294/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,128
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,813
−HK$2,724/mo
Today · 4.125%
HK$105,537
baseline
▲ 0.50% · 4.625%
HK$111,100
+HK$5,563/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,074/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,945 · Scale 2, in force from 26 Feb 2026)