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$50,368
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,935
−HK$1,592/mo
Today · 4.125%
HK$53,527
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$3,257/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,054/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,034
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,537
−HK$1,524/mo
Today · 4.125%
HK$59,061
baseline
▲ 0.50% · 4.625%
HK$62,174
+HK$3,113/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,122/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,442
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,322
−HK$1,910/mo
Today · 4.125%
HK$64,232
baseline
▲ 0.50% · 4.625%
HK$68,140
+HK$3,908/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$128,464/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,241
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,044
−HK$1,830/mo
Today · 4.125%
HK$70,874
baseline
▲ 0.50% · 4.625%
HK$74,609
+HK$3,735/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$141,748/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,709
−HK$2,228/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,448
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,551
−HK$2,135/mo
Today · 4.125%
HK$82,686
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,372/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,662
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,483
−HK$2,865/mo
Today · 4.125%
HK$96,348
baseline
▲ 0.50% · 4.625%
HK$102,210
+HK$5,862/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,696/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,861
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,566
−HK$2,744/mo
Today · 4.125%
HK$106,310
baseline
▲ 0.50% · 4.625%
HK$111,914
+HK$5,604/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,620/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,773 · Scale 2, in force from 26 Feb 2026)