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$50,328
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,893
−HK$1,591/mo
Today · 4.125%
HK$53,484
baseline
▲ 0.50% · 4.625%
HK$56,738
+HK$3,254/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,968/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,989
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,491
−HK$1,523/mo
Today · 4.125%
HK$59,014
baseline
▲ 0.50% · 4.625%
HK$62,125
+HK$3,111/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,028/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,393
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,272
−HK$1,908/mo
Today · 4.125%
HK$64,180
baseline
▲ 0.50% · 4.625%
HK$68,086
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,360/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,187
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,989
−HK$1,828/mo
Today · 4.125%
HK$70,817
baseline
▲ 0.50% · 4.625%
HK$74,550
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,634/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,459
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,650
−HK$2,227/mo
Today · 4.125%
HK$74,877
baseline
▲ 0.50% · 4.625%
HK$79,433
+HK$4,556/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,754/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,385
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,487
−HK$2,133/mo
Today · 4.125%
HK$82,620
baseline
▲ 0.50% · 4.625%
HK$86,975
+HK$4,355/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,240/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,590
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,408
−HK$2,863/mo
Today · 4.125%
HK$96,271
baseline
▲ 0.50% · 4.625%
HK$102,128
+HK$5,857/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,542/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,780
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,483
−HK$2,742/mo
Today · 4.125%
HK$106,225
baseline
▲ 0.50% · 4.625%
HK$111,824
+HK$5,599/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,450/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,021 · Scale 2, in force from 26 Feb 2026)