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$50,250
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,813
−HK$1,588/mo
Today · 4.125%
HK$53,401
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,802/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,903
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,402
−HK$1,521/mo
Today · 4.125%
HK$58,923
baseline
▲ 0.50% · 4.625%
HK$62,029
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,846/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,300
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,905/mo
Today · 4.125%
HK$64,081
baseline
▲ 0.50% · 4.625%
HK$67,981
+HK$3,900/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,162/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,083
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,882
−HK$1,825/mo
Today · 4.125%
HK$70,707
baseline
▲ 0.50% · 4.625%
HK$74,435
+HK$3,728/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,414/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,350
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,538
−HK$2,224/mo
Today · 4.125%
HK$74,762
baseline
▲ 0.50% · 4.625%
HK$79,311
+HK$4,549/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,524/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,264
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,363
−HK$2,129/mo
Today · 4.125%
HK$82,492
baseline
▲ 0.50% · 4.625%
HK$86,840
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$164,984/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,450
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,264
−HK$2,858/mo
Today · 4.125%
HK$96,122
baseline
▲ 0.50% · 4.625%
HK$101,971
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,244/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,625
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,323
−HK$2,738/mo
Today · 4.125%
HK$106,061
baseline
▲ 0.50% · 4.625%
HK$111,652
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,122/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,573 · Scale 2, in force from 26 Feb 2026)