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$50,294
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,859
−HK$1,589/mo
Today · 4.125%
HK$53,448
baseline
▲ 0.50% · 4.625%
HK$56,701
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,896/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,952
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,453
−HK$1,522/mo
Today · 4.125%
HK$58,975
baseline
▲ 0.50% · 4.625%
HK$62,084
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,950/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,353
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,231
−HK$1,907/mo
Today · 4.125%
HK$64,138
baseline
▲ 0.50% · 4.625%
HK$68,041
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,276/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,143
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,943
−HK$1,827/mo
Today · 4.125%
HK$70,770
baseline
▲ 0.50% · 4.625%
HK$74,500
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,540/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,602
−HK$2,226/mo
Today · 4.125%
HK$74,828
baseline
▲ 0.50% · 4.625%
HK$79,381
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,656/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,333
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,434
−HK$2,131/mo
Today · 4.125%
HK$82,565
baseline
▲ 0.50% · 4.625%
HK$86,917
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,130/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,530
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,346
−HK$2,861/mo
Today · 4.125%
HK$96,207
baseline
▲ 0.50% · 4.625%
HK$102,061
+HK$5,854/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,414/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,714
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,415
−HK$2,740/mo
Today · 4.125%
HK$106,155
baseline
▲ 0.50% · 4.625%
HK$111,751
+HK$5,596/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,310/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,402 · Scale 2, in force from 26 Feb 2026)