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$50,755
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,334
−HK$1,604/mo
Today · 4.125%
HK$53,938
baseline
▲ 0.50% · 4.625%
HK$57,220
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,876/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,465
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,979
−HK$1,536/mo
Today · 4.125%
HK$59,515
baseline
▲ 0.50% · 4.625%
HK$62,652
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,030/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,906
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,801
−HK$1,924/mo
Today · 4.125%
HK$64,725
baseline
▲ 0.50% · 4.625%
HK$68,664
+HK$3,939/mo
Deposit HK$8.90M · loan HK$13.36M · min. income ≈ HK$129,450/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,757
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,575
−HK$1,843/mo
Today · 4.125%
HK$71,418
baseline
▲ 0.50% · 4.625%
HK$75,183
+HK$3,765/mo
Deposit HK$8.90M · loan HK$13.36M · min. income ≈ HK$142,836/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,057
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,267
−HK$2,246/mo
Today · 4.125%
HK$75,513
baseline
▲ 0.50% · 4.625%
HK$80,108
+HK$4,595/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,026/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,050
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,170
−HK$2,151/mo
Today · 4.125%
HK$83,321
baseline
▲ 0.50% · 4.625%
HK$87,713
+HK$4,392/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,642/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,359
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,201
−HK$2,887/mo
Today · 4.125%
HK$97,088
baseline
▲ 0.50% · 4.625%
HK$102,996
+HK$5,908/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,176/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,636
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,362
−HK$2,765/mo
Today · 4.125%
HK$107,127
baseline
▲ 0.50% · 4.625%
HK$112,774
+HK$5,647/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,254/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,987 · Scale 2, in force from 26 Feb 2026)