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$50,365
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,931
−HK$1,592/mo
Today · 4.125%
HK$53,523
baseline
▲ 0.50% · 4.625%
HK$56,780
+HK$3,257/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,046/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,030
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,533
−HK$1,525/mo
Today · 4.125%
HK$59,058
baseline
▲ 0.50% · 4.625%
HK$62,171
+HK$3,113/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,116/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,438
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,318
−HK$1,910/mo
Today · 4.125%
HK$64,228
baseline
▲ 0.50% · 4.625%
HK$68,136
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,456/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,236
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,040
−HK$1,829/mo
Today · 4.125%
HK$70,869
baseline
▲ 0.50% · 4.625%
HK$74,605
+HK$3,736/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,738/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,511
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,704
−HK$2,228/mo
Today · 4.125%
HK$74,932
baseline
▲ 0.50% · 4.625%
HK$79,492
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,864/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,443
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,546
−HK$2,135/mo
Today · 4.125%
HK$82,681
baseline
▲ 0.50% · 4.625%
HK$87,039
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,362/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,657
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,477
−HK$2,865/mo
Today · 4.125%
HK$96,342
baseline
▲ 0.50% · 4.625%
HK$102,204
+HK$5,862/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,684/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,855
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,560
−HK$2,744/mo
Today · 4.125%
HK$106,304
baseline
▲ 0.50% · 4.625%
HK$111,907
+HK$5,603/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,608/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,713 · Scale 2, in force from 26 Feb 2026)