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$50,366
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,933
−HK$1,591/mo
Today · 4.125%
HK$53,524
baseline
▲ 0.50% · 4.625%
HK$56,781
+HK$3,257/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,048/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,032
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,534
−HK$1,525/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,172
+HK$3,113/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,439
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,319
−HK$1,910/mo
Today · 4.125%
HK$64,229
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,908/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$128,458/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,238
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,041
−HK$1,830/mo
Today · 4.125%
HK$70,871
baseline
▲ 0.50% · 4.625%
HK$74,606
+HK$3,735/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$141,742/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,512
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,706
−HK$2,228/mo
Today · 4.125%
HK$74,934
baseline
▲ 0.50% · 4.625%
HK$79,494
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,868/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,444
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,548
−HK$2,134/mo
Today · 4.125%
HK$82,682
baseline
▲ 0.50% · 4.625%
HK$87,041
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,364/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,659
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,479
−HK$2,865/mo
Today · 4.125%
HK$96,344
baseline
▲ 0.50% · 4.625%
HK$102,206
+HK$5,862/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,688/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,857
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,562
−HK$2,744/mo
Today · 4.125%
HK$106,306
baseline
▲ 0.50% · 4.625%
HK$111,909
+HK$5,603/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,612/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,733 · Scale 2, in force from 26 Feb 2026)