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$50,225
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,787
−HK$1,587/mo
Today · 4.125%
HK$53,374
baseline
▲ 0.50% · 4.625%
HK$56,622
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,748/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,373
−HK$1,520/mo
Today · 4.125%
HK$58,893
baseline
▲ 0.50% · 4.625%
HK$61,998
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,786/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,270
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,144
−HK$1,905/mo
Today · 4.125%
HK$64,049
baseline
▲ 0.50% · 4.625%
HK$67,946
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,098/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,049
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,848
−HK$1,824/mo
Today · 4.125%
HK$70,672
baseline
▲ 0.50% · 4.625%
HK$74,397
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,344/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,315
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,502
−HK$2,222/mo
Today · 4.125%
HK$74,724
baseline
▲ 0.50% · 4.625%
HK$79,271
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,448/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,224
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,322
−HK$2,129/mo
Today · 4.125%
HK$82,451
baseline
▲ 0.50% · 4.625%
HK$86,797
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,902/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,405
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,217
−HK$2,857/mo
Today · 4.125%
HK$96,074
baseline
▲ 0.50% · 4.625%
HK$101,920
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,148/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,574
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,271
−HK$2,737/mo
Today · 4.125%
HK$106,008
baseline
▲ 0.50% · 4.625%
HK$111,596
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$212,016/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,102 · Scale 2, in force from 26 Feb 2026)