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$50,267
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,830
−HK$1,589/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,921
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,421
−HK$1,522/mo
Today · 4.125%
HK$58,943
baseline
▲ 0.50% · 4.625%
HK$62,049
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,886/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,320
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,196
−HK$1,907/mo
Today · 4.125%
HK$64,103
baseline
▲ 0.50% · 4.625%
HK$68,003
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,206/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,106
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,905
−HK$1,826/mo
Today · 4.125%
HK$70,731
baseline
▲ 0.50% · 4.625%
HK$74,459
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,462/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,373
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,563
−HK$2,224/mo
Today · 4.125%
HK$74,787
baseline
▲ 0.50% · 4.625%
HK$79,337
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,574/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,290
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,389
−HK$2,131/mo
Today · 4.125%
HK$82,520
baseline
▲ 0.50% · 4.625%
HK$86,869
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,040/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,480
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,295
−HK$2,859/mo
Today · 4.125%
HK$96,154
baseline
▲ 0.50% · 4.625%
HK$102,005
+HK$5,851/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,308/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,658
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,358
−HK$2,739/mo
Today · 4.125%
HK$106,097
baseline
▲ 0.50% · 4.625%
HK$111,689
+HK$5,592/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,194/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,885 · Scale 2, in force from 26 Feb 2026)