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$50,311
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,876
−HK$1,590/mo
Today · 4.125%
HK$53,466
baseline
▲ 0.50% · 4.625%
HK$56,719
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,932/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,970
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,471
−HK$1,523/mo
Today · 4.125%
HK$58,994
baseline
▲ 0.50% · 4.625%
HK$62,104
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,988/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,373
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,251
−HK$1,908/mo
Today · 4.125%
HK$64,159
baseline
▲ 0.50% · 4.625%
HK$68,063
+HK$3,904/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,318/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,164
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,965
−HK$1,828/mo
Today · 4.125%
HK$70,793
baseline
▲ 0.50% · 4.625%
HK$74,524
+HK$3,731/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,586/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,435
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,626
−HK$2,226/mo
Today · 4.125%
HK$74,852
baseline
▲ 0.50% · 4.625%
HK$79,406
+HK$4,554/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,704/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,358
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,460
−HK$2,132/mo
Today · 4.125%
HK$82,592
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,184/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,559
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,376
−HK$2,862/mo
Today · 4.125%
HK$96,238
baseline
▲ 0.50% · 4.625%
HK$102,094
+HK$5,856/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,476/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,746
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,448
−HK$2,741/mo
Today · 4.125%
HK$106,189
baseline
▲ 0.50% · 4.625%
HK$111,787
+HK$5,598/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,378/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,703 · Scale 2, in force from 26 Feb 2026)