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$50,783
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,363
−HK$1,605/mo
Today · 4.125%
HK$53,968
baseline
▲ 0.50% · 4.625%
HK$57,251
+HK$3,283/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,936/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,496
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,011
−HK$1,537/mo
Today · 4.125%
HK$59,548
baseline
▲ 0.50% · 4.625%
HK$62,687
+HK$3,139/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,096/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,940
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,835
−HK$1,926/mo
Today · 4.125%
HK$64,761
baseline
▲ 0.50% · 4.625%
HK$68,702
+HK$3,941/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,522/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,795
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,613
−HK$1,844/mo
Today · 4.125%
HK$71,457
baseline
▲ 0.50% · 4.625%
HK$75,224
+HK$3,767/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,914/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,096
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,308
−HK$2,247/mo
Today · 4.125%
HK$75,555
baseline
▲ 0.50% · 4.625%
HK$80,152
+HK$4,597/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,110/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,094
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,215
−HK$2,152/mo
Today · 4.125%
HK$83,367
baseline
▲ 0.50% · 4.625%
HK$87,761
+HK$4,394/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,734/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,409
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,253
−HK$2,889/mo
Today · 4.125%
HK$97,142
baseline
▲ 0.50% · 4.625%
HK$103,052
+HK$5,910/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,284/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,692
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,419
−HK$2,767/mo
Today · 4.125%
HK$107,186
baseline
▲ 0.50% · 4.625%
HK$112,836
+HK$5,650/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,372/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,508 · Scale 2, in force from 26 Feb 2026)