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$50,315
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,880
−HK$1,590/mo
Today · 4.125%
HK$53,470
baseline
▲ 0.50% · 4.625%
HK$56,724
+HK$3,254/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,940/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,975
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,476
−HK$1,523/mo
Today · 4.125%
HK$58,999
baseline
▲ 0.50% · 4.625%
HK$62,109
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,998/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,378
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,256
−HK$1,908/mo
Today · 4.125%
HK$64,164
baseline
▲ 0.50% · 4.625%
HK$68,068
+HK$3,904/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,328/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,170
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,971
−HK$1,828/mo
Today · 4.125%
HK$70,799
baseline
▲ 0.50% · 4.625%
HK$74,531
+HK$3,732/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,598/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,441
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,632
−HK$2,226/mo
Today · 4.125%
HK$74,858
baseline
▲ 0.50% · 4.625%
HK$79,413
+HK$4,555/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,716/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,365
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,467
−HK$2,132/mo
Today · 4.125%
HK$82,599
baseline
▲ 0.50% · 4.625%
HK$86,953
+HK$4,354/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,198/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,567
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,384
−HK$2,862/mo
Today · 4.125%
HK$96,246
baseline
▲ 0.50% · 4.625%
HK$102,103
+HK$5,857/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,492/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,755
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,457
−HK$2,741/mo
Today · 4.125%
HK$106,198
baseline
▲ 0.50% · 4.625%
HK$111,796
+HK$5,598/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,396/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,784 · Scale 2, in force from 26 Feb 2026)