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$50,342
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,591/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,755
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,005
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,524/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,143
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,411
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,909/mo
Today · 4.125%
HK$64,199
baseline
▲ 0.50% · 4.625%
HK$68,106
+HK$3,907/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,398/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,207
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$69,009
−HK$1,828/mo
Today · 4.125%
HK$70,837
baseline
▲ 0.50% · 4.625%
HK$74,571
+HK$3,734/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,674/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,479
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,672
−HK$2,227/mo
Today · 4.125%
HK$74,899
baseline
▲ 0.50% · 4.625%
HK$79,457
+HK$4,558/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,798/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,408
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,510
−HK$2,134/mo
Today · 4.125%
HK$82,644
baseline
▲ 0.50% · 4.625%
HK$87,000
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,288/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,616
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,435
−HK$2,864/mo
Today · 4.125%
HK$96,299
baseline
▲ 0.50% · 4.625%
HK$102,158
+HK$5,859/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,598/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,810
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,513
−HK$2,743/mo
Today · 4.125%
HK$106,256
baseline
▲ 0.50% · 4.625%
HK$111,857
+HK$5,601/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,512/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,296 · Scale 2, in force from 26 Feb 2026)