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$50,265
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,829
−HK$1,588/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,668
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,920
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,419
−HK$1,522/mo
Today · 4.125%
HK$58,941
baseline
▲ 0.50% · 4.625%
HK$62,048
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,882/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,318
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,195
−HK$1,906/mo
Today · 4.125%
HK$64,101
baseline
▲ 0.50% · 4.625%
HK$68,001
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,202/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,103
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,903
−HK$1,826/mo
Today · 4.125%
HK$70,729
baseline
▲ 0.50% · 4.625%
HK$74,457
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,458/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,371
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,560
−HK$2,224/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$79,335
+HK$4,551/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,287
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,387
−HK$2,130/mo
Today · 4.125%
HK$82,517
baseline
▲ 0.50% · 4.625%
HK$86,867
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,034/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,477
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,292
−HK$2,859/mo
Today · 4.125%
HK$96,151
baseline
▲ 0.50% · 4.625%
HK$102,002
+HK$5,851/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,302/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,655
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,355
−HK$2,738/mo
Today · 4.125%
HK$106,093
baseline
▲ 0.50% · 4.625%
HK$111,686
+HK$5,593/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,186/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,857 · Scale 2, in force from 26 Feb 2026)