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$50,348
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,914
−HK$1,592/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,761
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,012
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,514
−HK$1,524/mo
Today · 4.125%
HK$59,038
baseline
▲ 0.50% · 4.625%
HK$62,150
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,076/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,418
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,297
−HK$1,910/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$68,114
+HK$3,907/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,214
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,017
−HK$1,829/mo
Today · 4.125%
HK$70,846
baseline
▲ 0.50% · 4.625%
HK$74,580
+HK$3,734/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,692/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,488
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,680
−HK$2,228/mo
Today · 4.125%
HK$74,908
baseline
▲ 0.50% · 4.625%
HK$79,466
+HK$4,558/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$149,816/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,417
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,520
−HK$2,133/mo
Today · 4.125%
HK$82,653
baseline
▲ 0.50% · 4.625%
HK$87,010
+HK$4,357/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$165,306/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,627
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,446
−HK$2,864/mo
Today · 4.125%
HK$96,310
baseline
▲ 0.50% · 4.625%
HK$102,170
+HK$5,860/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,620/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,822
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,526
−HK$2,743/mo
Today · 4.125%
HK$106,269
baseline
▲ 0.50% · 4.625%
HK$111,870
+HK$5,601/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,538/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,406 · Scale 2, in force from 26 Feb 2026)