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$50,297
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,861
−HK$1,590/mo
Today · 4.125%
HK$53,451
baseline
▲ 0.50% · 4.625%
HK$56,703
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,902/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,455
−HK$1,523/mo
Today · 4.125%
HK$58,978
baseline
▲ 0.50% · 4.625%
HK$62,086
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,956/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,356
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,908/mo
Today · 4.125%
HK$64,141
baseline
▲ 0.50% · 4.625%
HK$68,044
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,282/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,145
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,946
−HK$1,827/mo
Today · 4.125%
HK$70,773
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$3,731/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,546/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,415
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,606
−HK$2,225/mo
Today · 4.125%
HK$74,831
baseline
▲ 0.50% · 4.625%
HK$79,384
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,662/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,336
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,437
−HK$2,132/mo
Today · 4.125%
HK$82,569
baseline
▲ 0.50% · 4.625%
HK$86,921
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,138/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,534
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,350
−HK$2,861/mo
Today · 4.125%
HK$96,211
baseline
▲ 0.50% · 4.625%
HK$102,066
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,422/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,718
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,419
−HK$2,741/mo
Today · 4.125%
HK$106,160
baseline
▲ 0.50% · 4.625%
HK$111,755
+HK$5,595/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,320/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,443 · Scale 2, in force from 26 Feb 2026)