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$50,760
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,339
−HK$1,604/mo
Today · 4.125%
HK$53,943
baseline
▲ 0.50% · 4.625%
HK$57,225
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,886/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,470
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,984
−HK$1,537/mo
Today · 4.125%
HK$59,521
baseline
▲ 0.50% · 4.625%
HK$62,658
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,042/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,912
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,806
−HK$1,926/mo
Today · 4.125%
HK$64,732
baseline
▲ 0.50% · 4.625%
HK$68,670
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.36M · min. income ≈ HK$129,464/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,764
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,581
−HK$1,844/mo
Today · 4.125%
HK$71,425
baseline
▲ 0.50% · 4.625%
HK$75,190
+HK$3,765/mo
Deposit HK$8.90M · loan HK$13.36M · min. income ≈ HK$142,850/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,064
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,274
−HK$2,246/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$80,115
+HK$4,595/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,058
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,178
−HK$2,151/mo
Today · 4.125%
HK$83,329
baseline
▲ 0.50% · 4.625%
HK$87,721
+HK$4,392/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,658/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,368
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,210
−HK$2,887/mo
Today · 4.125%
HK$97,097
baseline
▲ 0.50% · 4.625%
HK$103,005
+HK$5,908/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,194/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,646
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,372
−HK$2,765/mo
Today · 4.125%
HK$107,137
baseline
▲ 0.50% · 4.625%
HK$112,785
+HK$5,648/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,274/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,075 · Scale 2, in force from 26 Feb 2026)