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$50,751
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,330
−HK$1,604/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,460
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,975
−HK$1,536/mo
Today · 4.125%
HK$59,511
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,022/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,902
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,796
−HK$1,925/mo
Today · 4.125%
HK$64,721
baseline
▲ 0.50% · 4.625%
HK$68,659
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,442/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,753
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,570
−HK$1,843/mo
Today · 4.125%
HK$71,413
baseline
▲ 0.50% · 4.625%
HK$75,177
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,826/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,052
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,262
−HK$2,246/mo
Today · 4.125%
HK$75,508
baseline
▲ 0.50% · 4.625%
HK$80,102
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,016/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,045
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,165
−HK$2,150/mo
Today · 4.125%
HK$83,315
baseline
▲ 0.50% · 4.625%
HK$87,707
+HK$4,392/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,630/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,353
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,194
−HK$2,887/mo
Today · 4.125%
HK$97,081
baseline
▲ 0.50% · 4.625%
HK$102,988
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,162/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,629
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,354
−HK$2,765/mo
Today · 4.125%
HK$107,119
baseline
▲ 0.50% · 4.625%
HK$112,766
+HK$5,647/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,238/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,918 · Scale 2, in force from 26 Feb 2026)