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$50,752
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,331
−HK$1,604/mo
Today · 4.125%
HK$53,935
baseline
▲ 0.50% · 4.625%
HK$57,217
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,870/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,461
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,976
−HK$1,536/mo
Today · 4.125%
HK$59,512
baseline
▲ 0.50% · 4.625%
HK$62,649
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,024/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,903
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,797
−HK$1,925/mo
Today · 4.125%
HK$64,722
baseline
▲ 0.50% · 4.625%
HK$68,660
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,444/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,754
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,571
−HK$1,843/mo
Today · 4.125%
HK$71,414
baseline
▲ 0.50% · 4.625%
HK$75,179
+HK$3,765/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,828/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,053
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,263
−HK$2,246/mo
Today · 4.125%
HK$75,509
baseline
▲ 0.50% · 4.625%
HK$80,104
+HK$4,595/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,018/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,046
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,166
−HK$2,151/mo
Today · 4.125%
HK$83,317
baseline
▲ 0.50% · 4.625%
HK$87,708
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,634/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,354
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,196
−HK$2,887/mo
Today · 4.125%
HK$97,083
baseline
▲ 0.50% · 4.625%
HK$102,990
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,166/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,631
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,356
−HK$2,765/mo
Today · 4.125%
HK$107,121
baseline
▲ 0.50% · 4.625%
HK$112,768
+HK$5,647/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,242/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,936 · Scale 2, in force from 26 Feb 2026)