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$50,190
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,751
−HK$1,586/mo
Today · 4.125%
HK$53,337
baseline
▲ 0.50% · 4.625%
HK$56,582
+HK$3,245/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,674/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,836
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,333
−HK$1,519/mo
Today · 4.125%
HK$58,852
baseline
▲ 0.50% · 4.625%
HK$61,954
+HK$3,102/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,704/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,903/mo
Today · 4.125%
HK$64,004
baseline
▲ 0.50% · 4.625%
HK$67,899
+HK$3,895/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$128,008/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,003
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,800
−HK$1,823/mo
Today · 4.125%
HK$70,623
baseline
▲ 0.50% · 4.625%
HK$74,345
+HK$3,722/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,246/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,266
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,451
−HK$2,221/mo
Today · 4.125%
HK$74,672
baseline
▲ 0.50% · 4.625%
HK$79,215
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,344/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,170
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,266
−HK$2,127/mo
Today · 4.125%
HK$82,393
baseline
▲ 0.50% · 4.625%
HK$86,736
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,786/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,341
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,152
−HK$2,855/mo
Today · 4.125%
HK$96,007
baseline
▲ 0.50% · 4.625%
HK$101,848
+HK$5,841/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,014/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,504
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,199
−HK$2,735/mo
Today · 4.125%
HK$105,934
baseline
▲ 0.50% · 4.625%
HK$111,518
+HK$5,584/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,868/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,449 · Scale 2, in force from 26 Feb 2026)