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$50,766
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,346
−HK$1,604/mo
Today · 4.125%
HK$53,950
baseline
▲ 0.50% · 4.625%
HK$57,233
+HK$3,283/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,900/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,477
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,992
−HK$1,536/mo
Today · 4.125%
HK$59,528
baseline
▲ 0.50% · 4.625%
HK$62,666
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,056/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,920
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,815
−HK$1,925/mo
Today · 4.125%
HK$64,740
baseline
▲ 0.50% · 4.625%
HK$68,679
+HK$3,939/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,480/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,773
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,590
−HK$1,844/mo
Today · 4.125%
HK$71,434
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$3,766/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,868/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,073
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,284
−HK$2,246/mo
Today · 4.125%
HK$75,530
baseline
▲ 0.50% · 4.625%
HK$80,126
+HK$4,596/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,060/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,068
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,189
−HK$2,151/mo
Today · 4.125%
HK$83,340
baseline
▲ 0.50% · 4.625%
HK$87,733
+HK$4,393/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,680/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,380
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,222
−HK$2,888/mo
Today · 4.125%
HK$97,110
baseline
▲ 0.50% · 4.625%
HK$103,019
+HK$5,909/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,220/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,659
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,385
−HK$2,766/mo
Today · 4.125%
HK$107,151
baseline
▲ 0.50% · 4.625%
HK$112,799
+HK$5,648/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,302/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,199 · Scale 2, in force from 26 Feb 2026)