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$50,367
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,933
−HK$1,592/mo
Today · 4.125%
HK$53,525
baseline
▲ 0.50% · 4.625%
HK$56,782
+HK$3,257/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,050/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,032
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,535
−HK$1,525/mo
Today · 4.125%
HK$59,060
baseline
▲ 0.50% · 4.625%
HK$62,173
+HK$3,113/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,120/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,440
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,910/mo
Today · 4.125%
HK$64,230
baseline
▲ 0.50% · 4.625%
HK$68,138
+HK$3,908/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$128,460/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,239
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$1,829/mo
Today · 4.125%
HK$70,871
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$141,742/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,513
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,707
−HK$2,228/mo
Today · 4.125%
HK$74,935
baseline
▲ 0.50% · 4.625%
HK$79,495
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,870/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,445
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,549
−HK$2,134/mo
Today · 4.125%
HK$82,683
baseline
▲ 0.50% · 4.625%
HK$87,042
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,366/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,660
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,480
−HK$2,865/mo
Today · 4.125%
HK$96,345
baseline
▲ 0.50% · 4.625%
HK$102,207
+HK$5,862/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,690/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,858
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,563
−HK$2,744/mo
Today · 4.125%
HK$106,307
baseline
▲ 0.50% · 4.625%
HK$111,911
+HK$5,604/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,614/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,745 · Scale 2, in force from 26 Feb 2026)