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$50,230
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,793
−HK$1,587/mo
Today · 4.125%
HK$53,380
baseline
▲ 0.50% · 4.625%
HK$56,628
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,760/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,881
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,379
−HK$1,521/mo
Today · 4.125%
HK$58,900
baseline
▲ 0.50% · 4.625%
HK$62,004
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,800/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,276
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,905/mo
Today · 4.125%
HK$64,056
baseline
▲ 0.50% · 4.625%
HK$67,954
+HK$3,898/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,112/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,057
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,855
−HK$1,825/mo
Today · 4.125%
HK$70,680
baseline
▲ 0.50% · 4.625%
HK$74,405
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,360/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,510
−HK$2,222/mo
Today · 4.125%
HK$74,732
baseline
▲ 0.50% · 4.625%
HK$79,279
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,464/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,233
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,331
−HK$2,129/mo
Today · 4.125%
HK$82,460
baseline
▲ 0.50% · 4.625%
HK$86,806
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,920/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,414
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,227
−HK$2,857/mo
Today · 4.125%
HK$96,084
baseline
▲ 0.50% · 4.625%
HK$101,931
+HK$5,847/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,168/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,585
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,283
−HK$2,736/mo
Today · 4.125%
HK$106,019
baseline
▲ 0.50% · 4.625%
HK$111,608
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,038/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,205 · Scale 2, in force from 26 Feb 2026)