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$50,276
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,840
−HK$1,589/mo
Today · 4.125%
HK$53,429
baseline
▲ 0.50% · 4.625%
HK$56,680
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,858/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,932
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,432
−HK$1,521/mo
Today · 4.125%
HK$58,953
baseline
▲ 0.50% · 4.625%
HK$62,061
+HK$3,108/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,906/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,331
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,208
−HK$1,907/mo
Today · 4.125%
HK$64,115
baseline
▲ 0.50% · 4.625%
HK$68,016
+HK$3,901/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,230/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,118
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,918
−HK$1,826/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$74,473
+HK$3,729/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,387
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$2,224/mo
Today · 4.125%
HK$74,800
baseline
▲ 0.50% · 4.625%
HK$79,352
+HK$4,552/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,600/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,304
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,404
−HK$2,131/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$86,885
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,497
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,312
−HK$2,860/mo
Today · 4.125%
HK$96,172
baseline
▲ 0.50% · 4.625%
HK$102,024
+HK$5,852/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,344/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,677
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,377
−HK$2,739/mo
Today · 4.125%
HK$106,116
baseline
▲ 0.50% · 4.625%
HK$111,710
+HK$5,594/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,232/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,059 · Scale 2, in force from 26 Feb 2026)