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$50,199
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,761
−HK$1,586/mo
Today · 4.125%
HK$53,347
baseline
▲ 0.50% · 4.625%
HK$56,593
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,694/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,846
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,344
−HK$1,519/mo
Today · 4.125%
HK$58,863
baseline
▲ 0.50% · 4.625%
HK$61,966
+HK$3,103/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,726/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,239
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,113
−HK$1,904/mo
Today · 4.125%
HK$64,017
baseline
▲ 0.50% · 4.625%
HK$67,912
+HK$3,895/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,034/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,015
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,813
−HK$1,823/mo
Today · 4.125%
HK$70,636
baseline
▲ 0.50% · 4.625%
HK$74,359
+HK$3,723/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,272/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,279
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,465
−HK$2,221/mo
Today · 4.125%
HK$74,686
baseline
▲ 0.50% · 4.625%
HK$79,230
+HK$4,544/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,372/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,185
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,281
−HK$2,128/mo
Today · 4.125%
HK$82,409
baseline
▲ 0.50% · 4.625%
HK$86,752
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,818/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,359
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,169
−HK$2,856/mo
Today · 4.125%
HK$96,025
baseline
▲ 0.50% · 4.625%
HK$101,868
+HK$5,843/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,050/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,523
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,219
−HK$2,735/mo
Today · 4.125%
HK$105,954
baseline
▲ 0.50% · 4.625%
HK$111,539
+HK$5,585/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,908/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,625 · Scale 2, in force from 26 Feb 2026)