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$50,753
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,604/mo
Today · 4.125%
HK$53,936
baseline
▲ 0.50% · 4.625%
HK$57,217
+HK$3,281/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,872/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,462
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,976
−HK$1,537/mo
Today · 4.125%
HK$59,513
baseline
▲ 0.50% · 4.625%
HK$62,650
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,026/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,904
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,798
−HK$1,925/mo
Today · 4.125%
HK$64,723
baseline
▲ 0.50% · 4.625%
HK$68,661
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,446/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,755
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,572
−HK$1,843/mo
Today · 4.125%
HK$71,415
baseline
▲ 0.50% · 4.625%
HK$75,180
+HK$3,765/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,830/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,054
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,264
−HK$2,246/mo
Today · 4.125%
HK$75,510
baseline
▲ 0.50% · 4.625%
HK$80,104
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,020/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,047
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,167
−HK$2,151/mo
Today · 4.125%
HK$83,318
baseline
▲ 0.50% · 4.625%
HK$87,709
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,636/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,355
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,197
−HK$2,887/mo
Today · 4.125%
HK$97,084
baseline
▲ 0.50% · 4.625%
HK$102,991
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,168/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,632
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,358
−HK$2,765/mo
Today · 4.125%
HK$107,123
baseline
▲ 0.50% · 4.625%
HK$112,769
+HK$5,646/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,246/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,947 · Scale 2, in force from 26 Feb 2026)