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$50,317
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,882
−HK$1,590/mo
Today · 4.125%
HK$53,472
baseline
▲ 0.50% · 4.625%
HK$56,726
+HK$3,254/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,944/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,977
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,523/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,111
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,380
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,258
−HK$1,909/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$68,071
+HK$3,904/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,172
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,974
−HK$1,828/mo
Today · 4.125%
HK$70,802
baseline
▲ 0.50% · 4.625%
HK$74,534
+HK$3,732/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,604/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,444
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,635
−HK$2,226/mo
Today · 4.125%
HK$74,861
baseline
▲ 0.50% · 4.625%
HK$79,416
+HK$4,555/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,722/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,368
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,470
−HK$2,132/mo
Today · 4.125%
HK$82,602
baseline
▲ 0.50% · 4.625%
HK$86,956
+HK$4,354/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,204/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,570
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,388
−HK$2,862/mo
Today · 4.125%
HK$96,250
baseline
▲ 0.50% · 4.625%
HK$102,107
+HK$5,857/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,500/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,759
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,461
−HK$2,741/mo
Today · 4.125%
HK$106,202
baseline
▲ 0.50% · 4.625%
HK$111,800
+HK$5,598/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,404/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,820 · Scale 2, in force from 26 Feb 2026)