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$50,221
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,587/mo
Today · 4.125%
HK$53,370
baseline
▲ 0.50% · 4.625%
HK$56,617
+HK$3,247/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,740/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,870
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,368
−HK$1,520/mo
Today · 4.125%
HK$58,888
baseline
▲ 0.50% · 4.625%
HK$61,993
+HK$3,105/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$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,265
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,905/mo
Today · 4.125%
HK$64,044
baseline
▲ 0.50% · 4.625%
HK$67,941
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,088/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,044
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,842
−HK$1,824/mo
Today · 4.125%
HK$70,666
baseline
▲ 0.50% · 4.625%
HK$74,391
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,332/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,309
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,496
−HK$2,222/mo
Today · 4.125%
HK$74,718
baseline
▲ 0.50% · 4.625%
HK$79,264
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,436/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,218
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,316
−HK$2,128/mo
Today · 4.125%
HK$82,444
baseline
▲ 0.50% · 4.625%
HK$86,790
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,888/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,397
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,209
−HK$2,857/mo
Today · 4.125%
HK$96,066
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,845/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,132/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,566
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,263
−HK$2,736/mo
Today · 4.125%
HK$105,999
baseline
▲ 0.50% · 4.625%
HK$111,587
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,998/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,026 · Scale 2, in force from 26 Feb 2026)