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$50,100
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,659
−HK$1,583/mo
Today · 4.125%
HK$53,242
baseline
▲ 0.50% · 4.625%
HK$56,481
+HK$3,239/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$106,484/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,736
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,231
−HK$1,516/mo
Today · 4.125%
HK$58,747
baseline
▲ 0.50% · 4.625%
HK$61,844
+HK$3,097/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,494/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,120
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,990
−HK$1,900/mo
Today · 4.125%
HK$63,890
baseline
▲ 0.50% · 4.625%
HK$67,778
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,780/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,883
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,677
−HK$1,820/mo
Today · 4.125%
HK$70,497
baseline
▲ 0.50% · 4.625%
HK$74,212
+HK$3,715/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$140,994/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,140
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,322
−HK$2,217/mo
Today · 4.125%
HK$74,539
baseline
▲ 0.50% · 4.625%
HK$79,074
+HK$4,535/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$149,078/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,030
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,123
−HK$2,123/mo
Today · 4.125%
HK$82,246
baseline
▲ 0.50% · 4.625%
HK$86,581
+HK$4,335/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,492/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,180
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,985
−HK$2,850/mo
Today · 4.125%
HK$95,835
baseline
▲ 0.50% · 4.625%
HK$101,667
+HK$5,832/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,670/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,325
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,015
−HK$2,730/mo
Today · 4.125%
HK$105,745
baseline
▲ 0.50% · 4.625%
HK$111,319
+HK$5,574/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,490/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,779 · Scale 2, in force from 26 Feb 2026)