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$50,241
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,588/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,893
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,521/mo
Today · 4.125%
HK$58,913
baseline
▲ 0.50% · 4.625%
HK$62,018
+HK$3,105/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,826/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,905/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,969
+HK$3,899/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,071
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,870
−HK$1,825/mo
Today · 4.125%
HK$70,695
baseline
▲ 0.50% · 4.625%
HK$74,422
+HK$3,727/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,390/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,338
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,526
−HK$2,223/mo
Today · 4.125%
HK$74,749
baseline
▲ 0.50% · 4.625%
HK$79,297
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,498/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,250
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,129/mo
Today · 4.125%
HK$82,478
baseline
▲ 0.50% · 4.625%
HK$86,825
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,956/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,434
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,247
−HK$2,858/mo
Today · 4.125%
HK$96,105
baseline
▲ 0.50% · 4.625%
HK$101,953
+HK$5,848/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,210/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,607
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,305
−HK$2,738/mo
Today · 4.125%
HK$106,043
baseline
▲ 0.50% · 4.625%
HK$111,632
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,086/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,410 · Scale 2, in force from 26 Feb 2026)