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$50,053
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,610
−HK$1,582/mo
Today · 4.125%
HK$53,192
baseline
▲ 0.50% · 4.625%
HK$56,428
+HK$3,236/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,384/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,683
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,177
−HK$1,515/mo
Today · 4.125%
HK$58,692
baseline
▲ 0.50% · 4.625%
HK$61,786
+HK$3,094/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,384/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,932
−HK$1,898/mo
Today · 4.125%
HK$63,830
baseline
▲ 0.50% · 4.625%
HK$67,714
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,660/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,820
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,612
−HK$1,818/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,143
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,074
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$2,215/mo
Today · 4.125%
HK$74,469
baseline
▲ 0.50% · 4.625%
HK$79,000
+HK$4,531/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,938/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,957
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,048
−HK$2,121/mo
Today · 4.125%
HK$82,169
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,331/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,338/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,095
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,898
−HK$2,847/mo
Today · 4.125%
HK$95,745
baseline
▲ 0.50% · 4.625%
HK$101,571
+HK$5,826/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,490/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,230
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,918
−HK$2,727/mo
Today · 4.125%
HK$105,645
baseline
▲ 0.50% · 4.625%
HK$111,214
+HK$5,569/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,290/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,902 · Scale 2, in force from 26 Feb 2026)