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$50,242
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,805
−HK$1,588/mo
Today · 4.125%
HK$53,393
baseline
▲ 0.50% · 4.625%
HK$56,642
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,786/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,894
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,393
−HK$1,521/mo
Today · 4.125%
HK$58,914
baseline
▲ 0.50% · 4.625%
HK$62,019
+HK$3,105/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,828/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,291
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,166
−HK$1,905/mo
Today · 4.125%
HK$64,071
baseline
▲ 0.50% · 4.625%
HK$67,970
+HK$3,899/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,142/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,073
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,872
−HK$1,824/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,423
+HK$3,727/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,339
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,527
−HK$2,223/mo
Today · 4.125%
HK$74,750
baseline
▲ 0.50% · 4.625%
HK$79,298
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,500/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,252
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,350
−HK$2,129/mo
Today · 4.125%
HK$82,479
baseline
▲ 0.50% · 4.625%
HK$86,827
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,958/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,436
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,249
−HK$2,858/mo
Today · 4.125%
HK$96,107
baseline
▲ 0.50% · 4.625%
HK$101,955
+HK$5,848/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,214/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,609
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,307
−HK$2,738/mo
Today · 4.125%
HK$106,045
baseline
▲ 0.50% · 4.625%
HK$111,634
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,090/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,427 · Scale 2, in force from 26 Feb 2026)