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$50,797
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,377
−HK$1,605/mo
Today · 4.125%
HK$53,982
baseline
▲ 0.50% · 4.625%
HK$57,267
+HK$3,285/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,964/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,511
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,027
−HK$1,537/mo
Today · 4.125%
HK$59,564
baseline
▲ 0.50% · 4.625%
HK$62,704
+HK$3,140/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,128/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,956
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,852
−HK$1,927/mo
Today · 4.125%
HK$64,779
baseline
▲ 0.50% · 4.625%
HK$68,720
+HK$3,941/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,558/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,813
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,632
−HK$1,845/mo
Today · 4.125%
HK$71,477
baseline
▲ 0.50% · 4.625%
HK$75,245
+HK$3,768/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,954/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,116
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,328
−HK$2,247/mo
Today · 4.125%
HK$75,575
baseline
▲ 0.50% · 4.625%
HK$80,174
+HK$4,599/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,150/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,115
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,237
−HK$2,153/mo
Today · 4.125%
HK$83,390
baseline
▲ 0.50% · 4.625%
HK$87,785
+HK$4,395/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,780/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,434
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,279
−HK$2,889/mo
Today · 4.125%
HK$97,168
baseline
▲ 0.50% · 4.625%
HK$103,081
+HK$5,913/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,336/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,720
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,448
−HK$2,767/mo
Today · 4.125%
HK$107,215
baseline
▲ 0.50% · 4.625%
HK$112,867
+HK$5,652/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,430/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,766 · Scale 2, in force from 26 Feb 2026)