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$50,061
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,618
−HK$1,582/mo
Today · 4.125%
HK$53,200
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$3,238/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$106,400/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,515/mo
Today · 4.125%
HK$58,701
baseline
▲ 0.50% · 4.625%
HK$61,796
+HK$3,095/mo
Deposit HK$10.98M · loan HK$10.98M · min. income ≈ HK$117,402/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,073
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,942
−HK$1,899/mo
Today · 4.125%
HK$63,841
baseline
▲ 0.50% · 4.625%
HK$67,725
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,682/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,831
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,623
−HK$1,819/mo
Today · 4.125%
HK$70,442
baseline
▲ 0.50% · 4.625%
HK$74,155
+HK$3,713/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,884/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,086
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,266
−HK$2,215/mo
Today · 4.125%
HK$74,481
baseline
▲ 0.50% · 4.625%
HK$79,013
+HK$4,532/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$148,962/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,970
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,061
−HK$2,121/mo
Today · 4.125%
HK$82,182
baseline
▲ 0.50% · 4.625%
HK$86,514
+HK$4,332/mo
Deposit HK$6.59M · loan HK$15.37M · min. income ≈ HK$164,364/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,110
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,913
−HK$2,848/mo
Today · 4.125%
HK$95,761
baseline
▲ 0.50% · 4.625%
HK$101,588
+HK$5,827/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$191,522/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,247
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,935
−HK$2,728/mo
Today · 4.125%
HK$105,663
baseline
▲ 0.50% · 4.625%
HK$111,232
+HK$5,569/mo
Deposit HK$2.20M · loan HK$19.76M · min. income ≈ HK$211,326/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,053 · Scale 2, in force from 26 Feb 2026)