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$50,248
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,811
−HK$1,588/mo
Today · 4.125%
HK$53,399
baseline
▲ 0.50% · 4.625%
HK$56,648
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,798/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,900
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,400
−HK$1,520/mo
Today · 4.125%
HK$58,920
baseline
▲ 0.50% · 4.625%
HK$62,026
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,840/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,298
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,173
−HK$1,906/mo
Today · 4.125%
HK$64,079
baseline
▲ 0.50% · 4.625%
HK$67,978
+HK$3,899/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,158/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,080
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,879
−HK$1,826/mo
Today · 4.125%
HK$70,705
baseline
▲ 0.50% · 4.625%
HK$74,431
+HK$3,726/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,410/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,347
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,535
−HK$2,224/mo
Today · 4.125%
HK$74,759
baseline
▲ 0.50% · 4.625%
HK$79,307
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,518/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,260
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,359
−HK$2,130/mo
Today · 4.125%
HK$82,489
baseline
▲ 0.50% · 4.625%
HK$86,837
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$164,978/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,446
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,260
−HK$2,858/mo
Today · 4.125%
HK$96,118
baseline
▲ 0.50% · 4.625%
HK$101,967
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,236/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,621
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,319
−HK$2,738/mo
Today · 4.125%
HK$106,057
baseline
▲ 0.50% · 4.625%
HK$111,647
+HK$5,590/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,114/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,534 · Scale 2, in force from 26 Feb 2026)