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$50,329
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,894
−HK$1,591/mo
Today · 4.125%
HK$53,485
baseline
▲ 0.50% · 4.625%
HK$56,739
+HK$3,254/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,970/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,990
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,523/mo
Today · 4.125%
HK$59,015
baseline
▲ 0.50% · 4.625%
HK$62,126
+HK$3,111/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,030/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,395
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,273
−HK$1,909/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,905/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$1,828/mo
Today · 4.125%
HK$70,818
baseline
▲ 0.50% · 4.625%
HK$74,551
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,636/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,460
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$2,227/mo
Today · 4.125%
HK$74,879
baseline
▲ 0.50% · 4.625%
HK$79,435
+HK$4,556/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,758/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,386
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,489
−HK$2,132/mo
Today · 4.125%
HK$82,621
baseline
▲ 0.50% · 4.625%
HK$86,976
+HK$4,355/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,242/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,592
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,410
−HK$2,863/mo
Today · 4.125%
HK$96,273
baseline
▲ 0.50% · 4.625%
HK$102,131
+HK$5,858/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,546/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,782
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,485
−HK$2,742/mo
Today · 4.125%
HK$106,227
baseline
▲ 0.50% · 4.625%
HK$111,827
+HK$5,600/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,454/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,041 · Scale 2, in force from 26 Feb 2026)