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$50,774
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,354
−HK$1,604/mo
Today · 4.125%
HK$53,958
baseline
▲ 0.50% · 4.625%
HK$57,241
+HK$3,283/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,916/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,486
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,001
−HK$1,537/mo
Today · 4.125%
HK$59,538
baseline
▲ 0.50% · 4.625%
HK$62,676
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,076/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,929
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,824
−HK$1,926/mo
Today · 4.125%
HK$64,750
baseline
▲ 0.50% · 4.625%
HK$68,690
+HK$3,940/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,500/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,783
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,601
−HK$1,844/mo
Today · 4.125%
HK$71,445
baseline
▲ 0.50% · 4.625%
HK$75,211
+HK$3,766/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,890/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,084
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,295
−HK$2,246/mo
Today · 4.125%
HK$75,541
baseline
▲ 0.50% · 4.625%
HK$80,138
+HK$4,597/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,082/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,080
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,201
−HK$2,152/mo
Today · 4.125%
HK$83,353
baseline
▲ 0.50% · 4.625%
HK$87,746
+HK$4,393/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,706/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,394
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,236
−HK$2,889/mo
Today · 4.125%
HK$97,125
baseline
▲ 0.50% · 4.625%
HK$103,034
+HK$5,909/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,250/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,674
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,401
−HK$2,767/mo
Today · 4.125%
HK$107,168
baseline
▲ 0.50% · 4.625%
HK$112,816
+HK$5,648/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,336/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,342 · Scale 2, in force from 26 Feb 2026)