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$50,301
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,866
−HK$1,590/mo
Today · 4.125%
HK$53,456
baseline
▲ 0.50% · 4.625%
HK$56,708
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,912/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,960
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,460
−HK$1,523/mo
Today · 4.125%
HK$58,983
baseline
▲ 0.50% · 4.625%
HK$62,092
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,966/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,361
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,239
−HK$1,908/mo
Today · 4.125%
HK$64,147
baseline
▲ 0.50% · 4.625%
HK$68,050
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$128,294/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,952
−HK$1,828/mo
Today · 4.125%
HK$70,780
baseline
▲ 0.50% · 4.625%
HK$74,510
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$141,560/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,422
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,612
−HK$2,226/mo
Today · 4.125%
HK$74,838
baseline
▲ 0.50% · 4.625%
HK$79,391
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,676/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,343
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,445
−HK$2,131/mo
Today · 4.125%
HK$82,576
baseline
▲ 0.50% · 4.625%
HK$86,929
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,152/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,542
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,359
−HK$2,861/mo
Today · 4.125%
HK$96,220
baseline
▲ 0.50% · 4.625%
HK$102,075
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,440/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,727
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,429
−HK$2,740/mo
Today · 4.125%
HK$106,169
baseline
▲ 0.50% · 4.625%
HK$111,766
+HK$5,597/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,338/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,527 · Scale 2, in force from 26 Feb 2026)