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$50,220
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,782
−HK$1,587/mo
Today · 4.125%
HK$53,369
baseline
▲ 0.50% · 4.625%
HK$56,617
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,738/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,869
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,368
−HK$1,520/mo
Today · 4.125%
HK$58,888
baseline
▲ 0.50% · 4.625%
HK$61,992
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,776/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,264
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,904/mo
Today · 4.125%
HK$64,043
baseline
▲ 0.50% · 4.625%
HK$67,940
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,086/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,043
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,841
−HK$1,824/mo
Today · 4.125%
HK$70,665
baseline
▲ 0.50% · 4.625%
HK$74,390
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,330/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,308
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,495
−HK$2,222/mo
Today · 4.125%
HK$74,717
baseline
▲ 0.50% · 4.625%
HK$79,263
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,434/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,217
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,315
−HK$2,128/mo
Today · 4.125%
HK$82,443
baseline
▲ 0.50% · 4.625%
HK$86,788
+HK$4,345/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,886/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,396
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,208
−HK$2,857/mo
Today · 4.125%
HK$96,065
baseline
▲ 0.50% · 4.625%
HK$101,910
+HK$5,845/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,130/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,565
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,262
−HK$2,736/mo
Today · 4.125%
HK$105,998
baseline
▲ 0.50% · 4.625%
HK$111,585
+HK$5,587/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,996/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,014 · Scale 2, in force from 26 Feb 2026)