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$50,341
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,907
−HK$1,591/mo
Today · 4.125%
HK$53,498
baseline
▲ 0.50% · 4.625%
HK$56,753
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,996/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,004
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,506
−HK$1,524/mo
Today · 4.125%
HK$59,030
baseline
▲ 0.50% · 4.625%
HK$62,142
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,060/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,410
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,289
−HK$1,909/mo
Today · 4.125%
HK$64,198
baseline
▲ 0.50% · 4.625%
HK$68,104
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,396/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,205
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,008
−HK$1,828/mo
Today · 4.125%
HK$70,836
baseline
▲ 0.50% · 4.625%
HK$74,570
+HK$3,734/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,672/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,478
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$2,228/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$79,455
+HK$4,557/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,406
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,509
−HK$2,133/mo
Today · 4.125%
HK$82,642
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,284/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,614
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,433
−HK$2,864/mo
Today · 4.125%
HK$96,297
baseline
▲ 0.50% · 4.625%
HK$102,156
+HK$5,859/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,594/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,808
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,511
−HK$2,743/mo
Today · 4.125%
HK$106,254
baseline
▲ 0.50% · 4.625%
HK$111,855
+HK$5,601/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,508/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,276 · Scale 2, in force from 26 Feb 2026)