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$50,303
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,867
−HK$1,590/mo
Today · 4.125%
HK$53,457
baseline
▲ 0.50% · 4.625%
HK$56,710
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,914/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,961
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,462
−HK$1,523/mo
Today · 4.125%
HK$58,985
baseline
▲ 0.50% · 4.625%
HK$62,094
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,970/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,363
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,241
−HK$1,908/mo
Today · 4.125%
HK$64,149
baseline
▲ 0.50% · 4.625%
HK$68,052
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$128,298/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,153
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,954
−HK$1,828/mo
Today · 4.125%
HK$70,782
baseline
▲ 0.50% · 4.625%
HK$74,513
+HK$3,731/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$141,564/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,424
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,614
−HK$2,226/mo
Today · 4.125%
HK$74,840
baseline
▲ 0.50% · 4.625%
HK$79,394
+HK$4,554/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,680/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,346
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,447
−HK$2,131/mo
Today · 4.125%
HK$82,578
baseline
▲ 0.50% · 4.625%
HK$86,931
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,156/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,545
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,361
−HK$2,862/mo
Today · 4.125%
HK$96,223
baseline
▲ 0.50% · 4.625%
HK$102,078
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,446/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,730
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,432
−HK$2,740/mo
Today · 4.125%
HK$106,172
baseline
▲ 0.50% · 4.625%
HK$111,769
+HK$5,597/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,344/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,554 · Scale 2, in force from 26 Feb 2026)