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$50,742
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,321
−HK$1,603/mo
Today · 4.125%
HK$53,924
baseline
▲ 0.50% · 4.625%
HK$57,206
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,848/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,450
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,964
−HK$1,536/mo
Today · 4.125%
HK$59,500
baseline
▲ 0.50% · 4.625%
HK$62,637
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,000/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,891
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,924/mo
Today · 4.125%
HK$64,709
baseline
▲ 0.50% · 4.625%
HK$68,647
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,418/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,557
−HK$1,843/mo
Today · 4.125%
HK$71,400
baseline
▲ 0.50% · 4.625%
HK$75,164
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,800/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,039
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,249
−HK$2,245/mo
Today · 4.125%
HK$75,494
baseline
▲ 0.50% · 4.625%
HK$80,088
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$150,988/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,031
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,150
−HK$2,150/mo
Today · 4.125%
HK$83,300
baseline
▲ 0.50% · 4.625%
HK$87,691
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,600/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,336
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,177
−HK$2,887/mo
Today · 4.125%
HK$97,064
baseline
▲ 0.50% · 4.625%
HK$102,970
+HK$5,906/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,128/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,611
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,336
−HK$2,765/mo
Today · 4.125%
HK$107,101
baseline
▲ 0.50% · 4.625%
HK$112,746
+HK$5,645/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,202/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,751 · Scale 2, in force from 26 Feb 2026)