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$50,813
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$52,393
−HK$1,606/mo
Today · 4.125%
HK$53,999
baseline
▲ 0.50% · 4.625%
HK$57,285
+HK$3,286/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,998/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,529
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,045
−HK$1,538/mo
Today · 4.125%
HK$59,583
baseline
▲ 0.50% · 4.625%
HK$62,723
+HK$3,140/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,166/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,975
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,872
−HK$1,927/mo
Today · 4.125%
HK$64,799
baseline
▲ 0.50% · 4.625%
HK$68,742
+HK$3,943/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,598/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,834
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,654
−HK$1,845/mo
Today · 4.125%
HK$71,499
baseline
▲ 0.50% · 4.625%
HK$75,268
+HK$3,769/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,998/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,138
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,351
−HK$2,248/mo
Today · 4.125%
HK$75,599
baseline
▲ 0.50% · 4.625%
HK$80,199
+HK$4,600/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,198/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,140
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,263
−HK$2,153/mo
Today · 4.125%
HK$83,416
baseline
▲ 0.50% · 4.625%
HK$87,813
+HK$4,397/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,832/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,463
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,308
−HK$2,890/mo
Today · 4.125%
HK$97,198
baseline
▲ 0.50% · 4.625%
HK$103,113
+HK$5,915/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,396/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,752
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,480
−HK$2,769/mo
Today · 4.125%
HK$107,249
baseline
▲ 0.50% · 4.625%
HK$112,902
+HK$5,653/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,498/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,061 · Scale 2, in force from 26 Feb 2026)