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$50,227
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,789
−HK$1,587/mo
Today · 4.125%
HK$53,376
baseline
▲ 0.50% · 4.625%
HK$56,624
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,752/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,877
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,375
−HK$1,520/mo
Today · 4.125%
HK$58,895
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,790/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,272
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,147
−HK$1,904/mo
Today · 4.125%
HK$64,051
baseline
▲ 0.50% · 4.625%
HK$67,949
+HK$3,898/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,102/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,052
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,850
−HK$1,824/mo
Today · 4.125%
HK$70,674
baseline
▲ 0.50% · 4.625%
HK$74,400
+HK$3,726/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,348/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,317
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,504
−HK$2,223/mo
Today · 4.125%
HK$74,727
baseline
▲ 0.50% · 4.625%
HK$79,274
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,454/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,227
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,325
−HK$2,129/mo
Today · 4.125%
HK$82,454
baseline
▲ 0.50% · 4.625%
HK$86,800
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,908/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,408
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,220
−HK$2,857/mo
Today · 4.125%
HK$96,077
baseline
▲ 0.50% · 4.625%
HK$101,923
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,154/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,578
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,275
−HK$2,737/mo
Today · 4.125%
HK$106,012
baseline
▲ 0.50% · 4.625%
HK$111,600
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$212,024/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,136 · Scale 2, in force from 26 Feb 2026)