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$50,780
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,359
−HK$1,605/mo
Today · 4.125%
HK$53,964
baseline
▲ 0.50% · 4.625%
HK$57,248
+HK$3,284/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,928/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,007
−HK$1,537/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$62,683
+HK$3,139/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,936
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,831
−HK$1,926/mo
Today · 4.125%
HK$64,757
baseline
▲ 0.50% · 4.625%
HK$68,697
+HK$3,940/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,514/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,790
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,609
−HK$1,844/mo
Today · 4.125%
HK$71,453
baseline
▲ 0.50% · 4.625%
HK$75,219
+HK$3,766/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,906/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,092
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,303
−HK$2,247/mo
Today · 4.125%
HK$75,550
baseline
▲ 0.50% · 4.625%
HK$80,147
+HK$4,597/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,100/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,089
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,152/mo
Today · 4.125%
HK$83,362
baseline
▲ 0.50% · 4.625%
HK$87,756
+HK$4,394/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,724/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,404
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,247
−HK$2,888/mo
Today · 4.125%
HK$97,135
baseline
▲ 0.50% · 4.625%
HK$103,046
+HK$5,911/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,270/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,686
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,413
−HK$2,766/mo
Today · 4.125%
HK$107,179
baseline
▲ 0.50% · 4.625%
HK$112,829
+HK$5,650/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,358/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,447 · Scale 2, in force from 26 Feb 2026)