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$50,010
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,566
−HK$1,580/mo
Today · 4.125%
HK$53,146
baseline
▲ 0.50% · 4.625%
HK$56,380
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,292/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,636
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,128
−HK$1,514/mo
Today · 4.125%
HK$58,642
baseline
▲ 0.50% · 4.625%
HK$61,733
+HK$3,091/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,284/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,012
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,879
−HK$1,897/mo
Today · 4.125%
HK$63,776
baseline
▲ 0.50% · 4.625%
HK$67,656
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,552/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,763
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,554
−HK$1,816/mo
Today · 4.125%
HK$70,370
baseline
▲ 0.50% · 4.625%
HK$74,079
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,740/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,014
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,192
−HK$2,213/mo
Today · 4.125%
HK$74,405
baseline
▲ 0.50% · 4.625%
HK$78,932
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,810/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,890
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,979
−HK$2,119/mo
Today · 4.125%
HK$82,098
baseline
▲ 0.50% · 4.625%
HK$86,426
+HK$4,328/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,196/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,019
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,819
−HK$2,844/mo
Today · 4.125%
HK$95,663
baseline
▲ 0.50% · 4.625%
HK$101,484
+HK$5,821/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,326/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,145
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,831
−HK$2,724/mo
Today · 4.125%
HK$105,555
baseline
▲ 0.50% · 4.625%
HK$111,119
+HK$5,564/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,110/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,105 · Scale 2, in force from 26 Feb 2026)