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$50,259
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,822
−HK$1,588/mo
Today · 4.125%
HK$53,410
baseline
▲ 0.50% · 4.625%
HK$56,660
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,820/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,912
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,521/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,310
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,186
−HK$1,906/mo
Today · 4.125%
HK$64,092
baseline
▲ 0.50% · 4.625%
HK$67,992
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,184/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,894
−HK$1,825/mo
Today · 4.125%
HK$70,719
baseline
▲ 0.50% · 4.625%
HK$74,447
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,438/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,362
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,551
−HK$2,223/mo
Today · 4.125%
HK$74,774
baseline
▲ 0.50% · 4.625%
HK$79,324
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,548/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,277
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,376
−HK$2,130/mo
Today · 4.125%
HK$82,506
baseline
▲ 0.50% · 4.625%
HK$86,855
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,012/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,465
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,279
−HK$2,859/mo
Today · 4.125%
HK$96,138
baseline
▲ 0.50% · 4.625%
HK$101,988
+HK$5,850/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,276/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,642
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,341
−HK$2,738/mo
Today · 4.125%
HK$106,079
baseline
▲ 0.50% · 4.625%
HK$111,671
+HK$5,592/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,158/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,732 · Scale 2, in force from 26 Feb 2026)