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$50,196
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,757
−HK$1,587/mo
Today · 4.125%
HK$53,344
baseline
▲ 0.50% · 4.625%
HK$56,590
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,688/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,843
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,340
−HK$1,519/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$61,962
+HK$3,103/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,235
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,109
−HK$1,903/mo
Today · 4.125%
HK$64,012
baseline
▲ 0.50% · 4.625%
HK$67,907
+HK$3,895/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,024/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,011
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,808
−HK$1,823/mo
Today · 4.125%
HK$70,631
baseline
▲ 0.50% · 4.625%
HK$74,354
+HK$3,723/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,262/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,274
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$2,221/mo
Today · 4.125%
HK$74,681
baseline
▲ 0.50% · 4.625%
HK$79,225
+HK$4,544/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,362/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,180
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,276
−HK$2,127/mo
Today · 4.125%
HK$82,403
baseline
▲ 0.50% · 4.625%
HK$86,747
+HK$4,344/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,806/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,353
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,163
−HK$2,856/mo
Today · 4.125%
HK$96,019
baseline
▲ 0.50% · 4.625%
HK$101,861
+HK$5,842/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,038/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,517
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,212
−HK$2,735/mo
Today · 4.125%
HK$105,947
baseline
▲ 0.50% · 4.625%
HK$111,532
+HK$5,585/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,894/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,566 · Scale 2, in force from 26 Feb 2026)