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$50,325
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,890
−HK$1,590/mo
Today · 4.125%
HK$53,480
baseline
▲ 0.50% · 4.625%
HK$56,735
+HK$3,255/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,960/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,986
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,487
−HK$1,523/mo
Today · 4.125%
HK$59,010
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,111/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$118,020/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,390
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,909/mo
Today · 4.125%
HK$64,177
baseline
▲ 0.50% · 4.625%
HK$68,082
+HK$3,905/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,354/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,183
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,985
−HK$1,827/mo
Today · 4.125%
HK$70,812
baseline
▲ 0.50% · 4.625%
HK$74,545
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,624/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,455
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,646
−HK$2,227/mo
Today · 4.125%
HK$74,873
baseline
▲ 0.50% · 4.625%
HK$79,428
+HK$4,555/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,746/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,380
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,482
−HK$2,133/mo
Today · 4.125%
HK$82,615
baseline
▲ 0.50% · 4.625%
HK$86,969
+HK$4,354/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,230/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,584
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,402
−HK$2,863/mo
Today · 4.125%
HK$96,265
baseline
▲ 0.50% · 4.625%
HK$102,122
+HK$5,857/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,530/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,774
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,477
−HK$2,742/mo
Today · 4.125%
HK$106,219
baseline
▲ 0.50% · 4.625%
HK$111,818
+HK$5,599/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,438/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,964 · Scale 2, in force from 26 Feb 2026)