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$50,241
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,587/mo
Today · 4.125%
HK$53,391
baseline
▲ 0.50% · 4.625%
HK$56,640
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,782/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,892
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,391
−HK$1,521/mo
Today · 4.125%
HK$58,912
baseline
▲ 0.50% · 4.625%
HK$62,017
+HK$3,105/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,824/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,289
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,164
−HK$1,906/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,968
+HK$3,898/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,870
−HK$1,824/mo
Today · 4.125%
HK$70,694
baseline
▲ 0.50% · 4.625%
HK$74,421
+HK$3,727/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,388/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,337
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,525
−HK$2,223/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$79,296
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,249
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,348
−HK$2,129/mo
Today · 4.125%
HK$82,477
baseline
▲ 0.50% · 4.625%
HK$86,824
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,954/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,433
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,246
−HK$2,858/mo
Today · 4.125%
HK$96,104
baseline
▲ 0.50% · 4.625%
HK$101,952
+HK$5,848/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,208/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,606
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,304
−HK$2,738/mo
Today · 4.125%
HK$106,042
baseline
▲ 0.50% · 4.625%
HK$111,631
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,084/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,401 · Scale 2, in force from 26 Feb 2026)