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$50,263
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,827
−HK$1,588/mo
Today · 4.125%
HK$53,415
baseline
▲ 0.50% · 4.625%
HK$56,665
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,830/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,917
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,417
−HK$1,521/mo
Today · 4.125%
HK$58,938
baseline
▲ 0.50% · 4.625%
HK$62,045
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,876/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,316
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,192
−HK$1,906/mo
Today · 4.125%
HK$64,098
baseline
▲ 0.50% · 4.625%
HK$67,998
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,196/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,101
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,900
−HK$1,826/mo
Today · 4.125%
HK$70,726
baseline
▲ 0.50% · 4.625%
HK$74,454
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,452/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,368
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,557
−HK$2,224/mo
Today · 4.125%
HK$74,781
baseline
▲ 0.50% · 4.625%
HK$79,331
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,562/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,284
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,384
−HK$2,130/mo
Today · 4.125%
HK$82,514
baseline
▲ 0.50% · 4.625%
HK$86,863
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,028/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,474
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,288
−HK$2,859/mo
Today · 4.125%
HK$96,147
baseline
▲ 0.50% · 4.625%
HK$101,997
+HK$5,850/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,294/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,651
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,350
−HK$2,739/mo
Today · 4.125%
HK$106,089
baseline
▲ 0.50% · 4.625%
HK$111,681
+HK$5,592/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,178/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,817 · Scale 2, in force from 26 Feb 2026)