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$50,747
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,603/mo
Today · 4.125%
HK$53,929
baseline
▲ 0.50% · 4.625%
HK$57,211
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,858/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,456
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,970
−HK$1,536/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$62,642
+HK$3,136/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,896
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,791
−HK$1,924/mo
Today · 4.125%
HK$64,715
baseline
▲ 0.50% · 4.625%
HK$68,653
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,430/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,747
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,564
−HK$1,843/mo
Today · 4.125%
HK$71,407
baseline
▲ 0.50% · 4.625%
HK$75,171
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,814/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,046
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,256
−HK$2,245/mo
Today · 4.125%
HK$75,501
baseline
▲ 0.50% · 4.625%
HK$80,095
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,002/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,038
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,157
−HK$2,151/mo
Today · 4.125%
HK$83,308
baseline
▲ 0.50% · 4.625%
HK$87,699
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,616/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,345
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,186
−HK$2,887/mo
Today · 4.125%
HK$97,073
baseline
▲ 0.50% · 4.625%
HK$102,979
+HK$5,906/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,146/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,620
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,345
−HK$2,765/mo
Today · 4.125%
HK$107,110
baseline
▲ 0.50% · 4.625%
HK$112,756
+HK$5,646/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,220/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,836 · Scale 2, in force from 26 Feb 2026)