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$50,211
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,773
−HK$1,587/mo
Today · 4.125%
HK$53,360
baseline
▲ 0.50% · 4.625%
HK$56,606
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,720/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,859
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,357
−HK$1,520/mo
Today · 4.125%
HK$58,877
baseline
▲ 0.50% · 4.625%
HK$61,981
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,754/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,253
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,127
−HK$1,904/mo
Today · 4.125%
HK$64,031
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,897/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$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,031
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$1,823/mo
Today · 4.125%
HK$70,652
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,304/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,295
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,482
−HK$2,221/mo
Today · 4.125%
HK$74,703
baseline
▲ 0.50% · 4.625%
HK$79,249
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.41M · min. income ≈ HK$149,406/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,203
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,300
−HK$2,128/mo
Today · 4.125%
HK$82,428
baseline
▲ 0.50% · 4.625%
HK$86,773
+HK$4,345/mo
Deposit HK$6.61M · loan HK$15.41M · min. income ≈ HK$164,856/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,380
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,191
−HK$2,856/mo
Today · 4.125%
HK$96,047
baseline
▲ 0.50% · 4.625%
HK$101,891
+HK$5,844/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,094/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,546
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,243
−HK$2,736/mo
Today · 4.125%
HK$105,979
baseline
▲ 0.50% · 4.625%
HK$111,565
+HK$5,586/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,958/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,844 · Scale 2, in force from 26 Feb 2026)