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$50,280
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,844
−HK$1,589/mo
Today · 4.125%
HK$53,433
baseline
▲ 0.50% · 4.625%
HK$56,684
+HK$3,251/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,866/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,936
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,436
−HK$1,522/mo
Today · 4.125%
HK$58,958
baseline
▲ 0.50% · 4.625%
HK$62,066
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,916/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,336
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,213
−HK$1,906/mo
Today · 4.125%
HK$64,119
baseline
▲ 0.50% · 4.625%
HK$68,021
+HK$3,902/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,238/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,123
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,923
−HK$1,826/mo
Today · 4.125%
HK$70,749
baseline
▲ 0.50% · 4.625%
HK$74,479
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,498/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,392
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,581
−HK$2,225/mo
Today · 4.125%
HK$74,806
baseline
▲ 0.50% · 4.625%
HK$79,358
+HK$4,552/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,612/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,310
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,410
−HK$2,131/mo
Today · 4.125%
HK$82,541
baseline
▲ 0.50% · 4.625%
HK$86,892
+HK$4,351/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,082/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,504
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,319
−HK$2,860/mo
Today · 4.125%
HK$96,179
baseline
▲ 0.50% · 4.625%
HK$102,031
+HK$5,852/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,358/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,684
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,385
−HK$2,739/mo
Today · 4.125%
HK$106,124
baseline
▲ 0.50% · 4.625%
HK$111,718
+HK$5,594/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,248/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,129 · Scale 2, in force from 26 Feb 2026)