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$50,226
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,788
−HK$1,587/mo
Today · 4.125%
HK$53,375
baseline
▲ 0.50% · 4.625%
HK$56,623
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,750/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,875
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,374
−HK$1,520/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$61,999
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,271
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,905/mo
Today · 4.125%
HK$64,050
baseline
▲ 0.50% · 4.625%
HK$67,947
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,100/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,050
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,849
−HK$1,824/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,398
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,316
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,503
−HK$2,222/mo
Today · 4.125%
HK$74,725
baseline
▲ 0.50% · 4.625%
HK$79,272
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,450/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,226
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,324
−HK$2,128/mo
Today · 4.125%
HK$82,452
baseline
▲ 0.50% · 4.625%
HK$86,798
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,904/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,406
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,218
−HK$2,857/mo
Today · 4.125%
HK$96,075
baseline
▲ 0.50% · 4.625%
HK$101,921
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,150/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,576
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,273
−HK$2,737/mo
Today · 4.125%
HK$106,010
baseline
▲ 0.50% · 4.625%
HK$111,597
+HK$5,587/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$212,020/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,117 · Scale 2, in force from 26 Feb 2026)