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$50,200
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,762
−HK$1,586/mo
Today · 4.125%
HK$53,348
baseline
▲ 0.50% · 4.625%
HK$56,594
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,696/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,847
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,345
−HK$1,519/mo
Today · 4.125%
HK$58,864
baseline
▲ 0.50% · 4.625%
HK$61,967
+HK$3,103/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,728/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,240
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,114
−HK$1,904/mo
Today · 4.125%
HK$64,018
baseline
▲ 0.50% · 4.625%
HK$67,913
+HK$3,895/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,036/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,814
−HK$1,823/mo
Today · 4.125%
HK$70,637
baseline
▲ 0.50% · 4.625%
HK$74,361
+HK$3,724/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,274/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,280
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,466
−HK$2,221/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$79,232
+HK$4,545/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,186
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,283
−HK$2,127/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$86,754
+HK$4,344/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,360
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,171
−HK$2,856/mo
Today · 4.125%
HK$96,027
baseline
▲ 0.50% · 4.625%
HK$101,870
+HK$5,843/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,054/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,525
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,221
−HK$2,735/mo
Today · 4.125%
HK$105,956
baseline
▲ 0.50% · 4.625%
HK$111,541
+HK$5,585/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,912/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,645 · Scale 2, in force from 26 Feb 2026)