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$50,219
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,781
−HK$1,587/mo
Today · 4.125%
HK$53,368
baseline
▲ 0.50% · 4.625%
HK$56,616
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,736/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,868
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,366
−HK$1,521/mo
Today · 4.125%
HK$58,887
baseline
▲ 0.50% · 4.625%
HK$61,991
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,774/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,263
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,137
−HK$1,905/mo
Today · 4.125%
HK$64,042
baseline
▲ 0.50% · 4.625%
HK$67,939
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,084/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,042
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,840
−HK$1,824/mo
Today · 4.125%
HK$70,664
baseline
▲ 0.50% · 4.625%
HK$74,389
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,328/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,307
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,494
−HK$2,221/mo
Today · 4.125%
HK$74,715
baseline
▲ 0.50% · 4.625%
HK$79,262
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,430/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,215
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,313
−HK$2,128/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$86,787
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,394
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,206
−HK$2,857/mo
Today · 4.125%
HK$96,063
baseline
▲ 0.50% · 4.625%
HK$101,908
+HK$5,845/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,126/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,563
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,260
−HK$2,736/mo
Today · 4.125%
HK$105,996
baseline
▲ 0.50% · 4.625%
HK$111,583
+HK$5,587/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,992/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,995 · Scale 2, in force from 26 Feb 2026)