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$50,785
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,364
−HK$1,605/mo
Today · 4.125%
HK$53,969
baseline
▲ 0.50% · 4.625%
HK$57,253
+HK$3,284/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,938/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,498
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,013
−HK$1,537/mo
Today · 4.125%
HK$59,550
baseline
▲ 0.50% · 4.625%
HK$62,689
+HK$3,139/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,100/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,942
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,837
−HK$1,926/mo
Today · 4.125%
HK$64,763
baseline
▲ 0.50% · 4.625%
HK$68,704
+HK$3,941/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,526/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,797
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,615
−HK$1,845/mo
Today · 4.125%
HK$71,460
baseline
▲ 0.50% · 4.625%
HK$75,227
+HK$3,767/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,920/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,099
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,310
−HK$2,247/mo
Today · 4.125%
HK$75,557
baseline
▲ 0.50% · 4.625%
HK$80,155
+HK$4,598/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,114/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,097
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,218
−HK$2,152/mo
Today · 4.125%
HK$83,370
baseline
▲ 0.50% · 4.625%
HK$87,764
+HK$4,394/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,740/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,413
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,256
−HK$2,889/mo
Today · 4.125%
HK$97,145
baseline
▲ 0.50% · 4.625%
HK$103,056
+HK$5,911/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,290/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,696
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,423
−HK$2,767/mo
Today · 4.125%
HK$107,190
baseline
▲ 0.50% · 4.625%
HK$112,840
+HK$5,650/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,380/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,540 · Scale 2, in force from 26 Feb 2026)