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$50,210
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,772
−HK$1,587/mo
Today · 4.125%
HK$53,359
baseline
▲ 0.50% · 4.625%
HK$56,606
+HK$3,247/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,718/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,858
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,356
−HK$1,520/mo
Today · 4.125%
HK$58,876
baseline
▲ 0.50% · 4.625%
HK$61,980
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,752/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,252
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,905/mo
Today · 4.125%
HK$64,031
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,896/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,062/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,828
−HK$1,823/mo
Today · 4.125%
HK$70,651
baseline
▲ 0.50% · 4.625%
HK$74,375
+HK$3,724/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,302/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,294
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,481
−HK$2,221/mo
Today · 4.125%
HK$74,702
baseline
▲ 0.50% · 4.625%
HK$79,248
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.41M · min. income ≈ HK$149,404/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,202
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,299
−HK$2,128/mo
Today · 4.125%
HK$82,427
baseline
▲ 0.50% · 4.625%
HK$86,771
+HK$4,344/mo
Deposit HK$6.61M · loan HK$15.41M · min. income ≈ HK$164,854/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,378
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,190
−HK$2,856/mo
Today · 4.125%
HK$96,046
baseline
▲ 0.50% · 4.625%
HK$101,890
+HK$5,844/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,092/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,545
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,241
−HK$2,736/mo
Today · 4.125%
HK$105,977
baseline
▲ 0.50% · 4.625%
HK$111,563
+HK$5,586/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,954/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,830 · Scale 2, in force from 26 Feb 2026)