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$50,102
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,660
−HK$1,583/mo
Today · 4.125%
HK$53,243
baseline
▲ 0.50% · 4.625%
HK$56,483
+HK$3,240/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,486/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,738
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,517/mo
Today · 4.125%
HK$58,749
baseline
▲ 0.50% · 4.625%
HK$61,846
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,498/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,122
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,992
−HK$1,900/mo
Today · 4.125%
HK$63,892
baseline
▲ 0.50% · 4.625%
HK$67,780
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,784/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,885
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,679
−HK$1,820/mo
Today · 4.125%
HK$70,499
baseline
▲ 0.50% · 4.625%
HK$74,215
+HK$3,716/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,998/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,142
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,324
−HK$2,217/mo
Today · 4.125%
HK$74,541
baseline
▲ 0.50% · 4.625%
HK$79,076
+HK$4,535/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,082/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,125
−HK$2,123/mo
Today · 4.125%
HK$82,248
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,336/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,496/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,183
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,988
−HK$2,850/mo
Today · 4.125%
HK$95,838
baseline
▲ 0.50% · 4.625%
HK$101,670
+HK$5,832/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,676/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,328
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,018
−HK$2,730/mo
Today · 4.125%
HK$105,748
baseline
▲ 0.50% · 4.625%
HK$111,322
+HK$5,574/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,496/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,807 · Scale 2, in force from 26 Feb 2026)