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$50,128
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,687
−HK$1,584/mo
Today · 4.125%
HK$53,271
baseline
▲ 0.50% · 4.625%
HK$56,512
+HK$3,241/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,542/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,766
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,262
−HK$1,517/mo
Today · 4.125%
HK$58,779
baseline
▲ 0.50% · 4.625%
HK$61,878
+HK$3,099/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,558/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,153
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,024
−HK$1,901/mo
Today · 4.125%
HK$63,925
baseline
▲ 0.50% · 4.625%
HK$67,815
+HK$3,890/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$127,850/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,920
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,714
−HK$1,821/mo
Today · 4.125%
HK$70,535
baseline
▲ 0.50% · 4.625%
HK$74,253
+HK$3,718/mo
Deposit HK$8.79M · loan HK$13.19M · min. income ≈ HK$141,070/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,179
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,362
−HK$2,217/mo
Today · 4.125%
HK$74,579
baseline
▲ 0.50% · 4.625%
HK$79,117
+HK$4,538/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$149,158/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,073
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,167
−HK$2,124/mo
Today · 4.125%
HK$82,291
baseline
▲ 0.50% · 4.625%
HK$86,629
+HK$4,338/mo
Deposit HK$6.59M · loan HK$15.39M · min. income ≈ HK$164,582/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,230
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,036
−HK$2,852/mo
Today · 4.125%
HK$95,888
baseline
▲ 0.50% · 4.625%
HK$101,722
+HK$5,834/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$191,776/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,380
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,072
−HK$2,731/mo
Today · 4.125%
HK$105,803
baseline
▲ 0.50% · 4.625%
HK$111,380
+HK$5,577/mo
Deposit HK$2.20M · loan HK$19.78M · min. income ≈ HK$211,606/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$934,291 · Scale 2, in force from 26 Feb 2026)