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$50,254
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,817
−HK$1,588/mo
Today · 4.125%
HK$53,405
baseline
▲ 0.50% · 4.625%
HK$56,655
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,810/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,907
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,406
−HK$1,522/mo
Today · 4.125%
HK$58,928
baseline
▲ 0.50% · 4.625%
HK$62,034
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,856/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,305
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,181
−HK$1,905/mo
Today · 4.125%
HK$64,086
baseline
▲ 0.50% · 4.625%
HK$67,986
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,172/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,088
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,888
−HK$1,825/mo
Today · 4.125%
HK$70,713
baseline
▲ 0.50% · 4.625%
HK$74,440
+HK$3,727/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,426/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,356
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,544
−HK$2,224/mo
Today · 4.125%
HK$74,768
baseline
▲ 0.50% · 4.625%
HK$79,317
+HK$4,549/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,536/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,270
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,369
−HK$2,130/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$86,847
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,457
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,271
−HK$2,859/mo
Today · 4.125%
HK$96,130
baseline
▲ 0.50% · 4.625%
HK$101,979
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,260/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,633
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,332
−HK$2,738/mo
Today · 4.125%
HK$106,070
baseline
▲ 0.50% · 4.625%
HK$111,661
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,140/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,647 · Scale 2, in force from 26 Feb 2026)