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$50,101
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,659
−HK$1,583/mo
Today · 4.125%
HK$53,242
baseline
▲ 0.50% · 4.625%
HK$56,482
+HK$3,240/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$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,737
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,231
−HK$1,517/mo
Today · 4.125%
HK$58,748
baseline
▲ 0.50% · 4.625%
HK$61,844
+HK$3,096/mo
Deposit HK$10.99M · loan HK$10.99M · min. income ≈ HK$117,496/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,121
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,991
−HK$1,900/mo
Today · 4.125%
HK$63,891
baseline
▲ 0.50% · 4.625%
HK$67,779
+HK$3,888/mo
Deposit HK$8.79M · loan HK$13.18M · min. income ≈ HK$127,782/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,884
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,678
−HK$1,819/mo
Today · 4.125%
HK$70,497
baseline
▲ 0.50% · 4.625%
HK$74,213
+HK$3,716/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$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,141
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,323
−HK$2,216/mo
Today · 4.125%
HK$74,539
baseline
▲ 0.50% · 4.625%
HK$79,075
+HK$4,536/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$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,031
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,124
−HK$2,123/mo
Today · 4.125%
HK$82,247
baseline
▲ 0.50% · 4.625%
HK$86,582
+HK$4,335/mo
Deposit HK$6.59M · loan HK$15.38M · min. income ≈ HK$164,494/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,181
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,986
−HK$2,850/mo
Today · 4.125%
HK$95,836
baseline
▲ 0.50% · 4.625%
HK$101,668
+HK$5,832/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$191,672/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,326
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,016
−HK$2,730/mo
Today · 4.125%
HK$105,746
baseline
▲ 0.50% · 4.625%
HK$111,320
+HK$5,574/mo
Deposit HK$2.20M · loan HK$19.77M · min. income ≈ HK$211,492/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$933,790 · Scale 2, in force from 26 Feb 2026)