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$50,349
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,915
−HK$1,592/mo
Today · 4.125%
HK$53,507
baseline
▲ 0.50% · 4.625%
HK$56,762
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,014/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,013
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,515
−HK$1,524/mo
Today · 4.125%
HK$59,039
baseline
▲ 0.50% · 4.625%
HK$62,151
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,078/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,419
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,298
−HK$1,910/mo
Today · 4.125%
HK$64,208
baseline
▲ 0.50% · 4.625%
HK$68,115
+HK$3,907/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,416/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,216
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,018
−HK$1,829/mo
Today · 4.125%
HK$70,847
baseline
▲ 0.50% · 4.625%
HK$74,581
+HK$3,734/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,694/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,489
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,681
−HK$2,228/mo
Today · 4.125%
HK$74,909
baseline
▲ 0.50% · 4.625%
HK$79,467
+HK$4,558/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$149,818/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,418
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,521
−HK$2,134/mo
Today · 4.125%
HK$82,655
baseline
▲ 0.50% · 4.625%
HK$87,012
+HK$4,357/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$165,310/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,628
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,448
−HK$2,864/mo
Today · 4.125%
HK$96,312
baseline
▲ 0.50% · 4.625%
HK$102,172
+HK$5,860/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,624/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,823
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,527
−HK$2,743/mo
Today · 4.125%
HK$106,270
baseline
▲ 0.50% · 4.625%
HK$111,872
+HK$5,602/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,540/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,421 · Scale 2, in force from 26 Feb 2026)