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$50,031
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,587
−HK$1,582/mo
Today · 4.125%
HK$53,169
baseline
▲ 0.50% · 4.625%
HK$56,404
+HK$3,235/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,338/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,659
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,152
−HK$1,514/mo
Today · 4.125%
HK$58,666
baseline
▲ 0.50% · 4.625%
HK$61,759
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,332/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,037
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,905
−HK$1,897/mo
Today · 4.125%
HK$63,802
baseline
▲ 0.50% · 4.625%
HK$67,685
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$127,604/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,791
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,582
−HK$1,818/mo
Today · 4.125%
HK$70,400
baseline
▲ 0.50% · 4.625%
HK$74,110
+HK$3,710/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$140,800/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,044
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,222
−HK$2,214/mo
Today · 4.125%
HK$74,436
baseline
▲ 0.50% · 4.625%
HK$78,965
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,872/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,923
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,013
−HK$2,120/mo
Today · 4.125%
HK$82,133
baseline
▲ 0.50% · 4.625%
HK$86,462
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,266/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,056
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,857
−HK$2,846/mo
Today · 4.125%
HK$95,703
baseline
▲ 0.50% · 4.625%
HK$101,527
+HK$5,824/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,406/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,187
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,873
−HK$2,726/mo
Today · 4.125%
HK$105,599
baseline
▲ 0.50% · 4.625%
HK$111,166
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,198/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,494 · Scale 2, in force from 26 Feb 2026)