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$50,360
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,592/mo
Today · 4.125%
HK$53,518
baseline
▲ 0.50% · 4.625%
HK$56,774
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,036/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,025
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,527
−HK$1,525/mo
Today · 4.125%
HK$59,052
baseline
▲ 0.50% · 4.625%
HK$62,164
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,104/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,432
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,312
−HK$1,909/mo
Today · 4.125%
HK$64,221
baseline
▲ 0.50% · 4.625%
HK$68,129
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,442/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,230
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,033
−HK$1,829/mo
Today · 4.125%
HK$70,862
baseline
▲ 0.50% · 4.625%
HK$74,597
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,724/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,504
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,697
−HK$2,228/mo
Today · 4.125%
HK$74,925
baseline
▲ 0.50% · 4.625%
HK$79,484
+HK$4,559/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,850/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,435
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,538
−HK$2,134/mo
Today · 4.125%
HK$82,672
baseline
▲ 0.50% · 4.625%
HK$87,030
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,344/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,648
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,467
−HK$2,865/mo
Today · 4.125%
HK$96,332
baseline
▲ 0.50% · 4.625%
HK$102,194
+HK$5,862/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,664/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,845
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,549
−HK$2,744/mo
Today · 4.125%
HK$106,293
baseline
▲ 0.50% · 4.625%
HK$111,896
+HK$5,603/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,586/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,619 · Scale 2, in force from 26 Feb 2026)