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$50,019
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,574
−HK$1,581/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,645
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,137
−HK$1,514/mo
Today · 4.125%
HK$58,651
baseline
▲ 0.50% · 4.625%
HK$61,743
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,302/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,022
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,889
−HK$1,897/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,667
+HK$3,881/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,774
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,565
−HK$1,817/mo
Today · 4.125%
HK$70,382
baseline
▲ 0.50% · 4.625%
HK$74,092
+HK$3,710/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,764/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,026
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$2,213/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$4,528/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,903
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,992
−HK$2,120/mo
Today · 4.125%
HK$82,112
baseline
▲ 0.50% · 4.625%
HK$86,440
+HK$4,328/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,224/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,033
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,834
−HK$2,845/mo
Today · 4.125%
HK$95,679
baseline
▲ 0.50% · 4.625%
HK$101,501
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,358/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,161
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,847
−HK$2,726/mo
Today · 4.125%
HK$105,573
baseline
▲ 0.50% · 4.625%
HK$111,137
+HK$5,564/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,146/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,259 · Scale 2, in force from 26 Feb 2026)