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$50,800
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,380
−HK$1,605/mo
Today · 4.125%
HK$53,985
baseline
▲ 0.50% · 4.625%
HK$57,270
+HK$3,285/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,970/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,514
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,030
−HK$1,537/mo
Today · 4.125%
HK$59,567
baseline
▲ 0.50% · 4.625%
HK$62,707
+HK$3,140/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,134/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,960
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,856
−HK$1,926/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,724
+HK$3,942/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,817
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,636
−HK$1,845/mo
Today · 4.125%
HK$71,481
baseline
▲ 0.50% · 4.625%
HK$75,249
+HK$3,768/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,962/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,120
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,332
−HK$2,247/mo
Today · 4.125%
HK$75,579
baseline
▲ 0.50% · 4.625%
HK$80,178
+HK$4,599/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,158/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,120
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,242
−HK$2,152/mo
Today · 4.125%
HK$83,394
baseline
▲ 0.50% · 4.625%
HK$87,790
+HK$4,396/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,788/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,439
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,284
−HK$2,889/mo
Today · 4.125%
HK$97,173
baseline
▲ 0.50% · 4.625%
HK$103,086
+HK$5,913/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,346/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,725
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,454
−HK$2,767/mo
Today · 4.125%
HK$107,221
baseline
▲ 0.50% · 4.625%
HK$112,873
+HK$5,652/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,442/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,818 · Scale 2, in force from 26 Feb 2026)