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$50,255
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,818
−HK$1,588/mo
Today · 4.125%
HK$53,406
baseline
▲ 0.50% · 4.625%
HK$56,656
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,812/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,908
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,407
−HK$1,521/mo
Today · 4.125%
HK$58,928
baseline
▲ 0.50% · 4.625%
HK$62,035
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,856/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,306
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,182
−HK$1,905/mo
Today · 4.125%
HK$64,087
baseline
▲ 0.50% · 4.625%
HK$67,987
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,174/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,089
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,889
−HK$1,825/mo
Today · 4.125%
HK$70,714
baseline
▲ 0.50% · 4.625%
HK$74,442
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,428/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,357
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,545
−HK$2,224/mo
Today · 4.125%
HK$74,769
baseline
▲ 0.50% · 4.625%
HK$79,318
+HK$4,549/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,538/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,271
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,370
−HK$2,130/mo
Today · 4.125%
HK$82,500
baseline
▲ 0.50% · 4.625%
HK$86,848
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,000/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,458
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,272
−HK$2,859/mo
Today · 4.125%
HK$96,131
baseline
▲ 0.50% · 4.625%
HK$101,980
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,262/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,634
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,333
−HK$2,738/mo
Today · 4.125%
HK$106,071
baseline
▲ 0.50% · 4.625%
HK$111,662
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,142/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,661 · Scale 2, in force from 26 Feb 2026)