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$50,775
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,355
−HK$1,604/mo
Today · 4.125%
HK$53,959
baseline
▲ 0.50% · 4.625%
HK$57,243
+HK$3,284/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,918/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,487
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,002
−HK$1,537/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$62,677
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,930
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,826
−HK$1,925/mo
Today · 4.125%
HK$64,751
baseline
▲ 0.50% · 4.625%
HK$68,691
+HK$3,940/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,502/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,784
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,602
−HK$1,845/mo
Today · 4.125%
HK$71,447
baseline
▲ 0.50% · 4.625%
HK$75,213
+HK$3,766/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,894/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,085
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,297
−HK$2,246/mo
Today · 4.125%
HK$75,543
baseline
▲ 0.50% · 4.625%
HK$80,140
+HK$4,597/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,086/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,082
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,203
−HK$2,151/mo
Today · 4.125%
HK$83,354
baseline
▲ 0.50% · 4.625%
HK$87,748
+HK$4,394/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,708/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,395
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,238
−HK$2,889/mo
Today · 4.125%
HK$97,127
baseline
▲ 0.50% · 4.625%
HK$103,037
+HK$5,910/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,254/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,677
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,403
−HK$2,767/mo
Today · 4.125%
HK$107,170
baseline
▲ 0.50% · 4.625%
HK$112,819
+HK$5,649/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,340/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,363 · Scale 2, in force from 26 Feb 2026)