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$50,215
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,587/mo
Today · 4.125%
HK$53,364
baseline
▲ 0.50% · 4.625%
HK$56,611
+HK$3,247/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,728/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,864
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,362
−HK$1,520/mo
Today · 4.125%
HK$58,882
baseline
▲ 0.50% · 4.625%
HK$61,986
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,764/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,258
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,133
−HK$1,904/mo
Today · 4.125%
HK$64,037
baseline
▲ 0.50% · 4.625%
HK$67,933
+HK$3,896/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,074/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,037
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,835
−HK$1,823/mo
Today · 4.125%
HK$70,658
baseline
▲ 0.50% · 4.625%
HK$74,383
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,316/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,301
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,488
−HK$2,222/mo
Today · 4.125%
HK$74,710
baseline
▲ 0.50% · 4.625%
HK$79,256
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,420/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,209
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,307
−HK$2,128/mo
Today · 4.125%
HK$82,435
baseline
▲ 0.50% · 4.625%
HK$86,780
+HK$4,345/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,870/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,387
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,199
−HK$2,856/mo
Today · 4.125%
HK$96,055
baseline
▲ 0.50% · 4.625%
HK$101,900
+HK$5,845/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,110/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,555
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,252
−HK$2,736/mo
Today · 4.125%
HK$105,988
baseline
▲ 0.50% · 4.625%
HK$111,574
+HK$5,586/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,976/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,924 · Scale 2, in force from 26 Feb 2026)