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$50,768
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,347
−HK$1,604/mo
Today · 4.125%
HK$53,951
baseline
▲ 0.50% · 4.625%
HK$57,234
+HK$3,283/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,902/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,478
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,993
−HK$1,537/mo
Today · 4.125%
HK$59,530
baseline
▲ 0.50% · 4.625%
HK$62,668
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,060/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,921
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,816
−HK$1,925/mo
Today · 4.125%
HK$64,741
baseline
▲ 0.50% · 4.625%
HK$68,681
+HK$3,940/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,482/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,774
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,592
−HK$1,844/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,201
+HK$3,765/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,075
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,285
−HK$2,247/mo
Today · 4.125%
HK$75,532
baseline
▲ 0.50% · 4.625%
HK$80,128
+HK$4,596/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,064/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,070
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,190
−HK$2,152/mo
Today · 4.125%
HK$83,342
baseline
▲ 0.50% · 4.625%
HK$87,735
+HK$4,393/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,684/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,382
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,224
−HK$2,888/mo
Today · 4.125%
HK$97,112
baseline
▲ 0.50% · 4.625%
HK$103,021
+HK$5,909/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,224/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,661
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,388
−HK$2,766/mo
Today · 4.125%
HK$107,154
baseline
▲ 0.50% · 4.625%
HK$112,802
+HK$5,648/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,308/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,219 · Scale 2, in force from 26 Feb 2026)