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$50,306
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,871
−HK$1,590/mo
Today · 4.125%
HK$53,461
baseline
▲ 0.50% · 4.625%
HK$56,714
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,922/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,965
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,466
−HK$1,523/mo
Today · 4.125%
HK$58,989
baseline
▲ 0.50% · 4.625%
HK$62,099
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,978/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,368
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,246
−HK$1,907/mo
Today · 4.125%
HK$64,153
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,904/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$128,306/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,159
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,960
−HK$1,827/mo
Today · 4.125%
HK$70,787
baseline
▲ 0.50% · 4.625%
HK$74,518
+HK$3,731/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$141,574/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,429
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,620
−HK$2,226/mo
Today · 4.125%
HK$74,846
baseline
▲ 0.50% · 4.625%
HK$79,400
+HK$4,554/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,692/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,352
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,453
−HK$2,132/mo
Today · 4.125%
HK$82,585
baseline
▲ 0.50% · 4.625%
HK$86,938
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,170/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,552
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,368
−HK$2,862/mo
Today · 4.125%
HK$96,230
baseline
▲ 0.50% · 4.625%
HK$102,085
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,460/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,738
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,440
−HK$2,740/mo
Today · 4.125%
HK$106,180
baseline
▲ 0.50% · 4.625%
HK$111,777
+HK$5,597/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,360/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,626 · Scale 2, in force from 26 Feb 2026)