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$50,245
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,808
−HK$1,588/mo
Today · 4.125%
HK$53,396
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,792/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,897
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,397
−HK$1,520/mo
Today · 4.125%
HK$58,917
baseline
▲ 0.50% · 4.625%
HK$62,023
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,834/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,294
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,170
−HK$1,905/mo
Today · 4.125%
HK$64,075
baseline
▲ 0.50% · 4.625%
HK$67,974
+HK$3,899/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,150/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,077
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,876
−HK$1,825/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$74,428
+HK$3,727/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,344
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,532
−HK$2,223/mo
Today · 4.125%
HK$74,755
baseline
▲ 0.50% · 4.625%
HK$79,303
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,510/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,256
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,355
−HK$2,129/mo
Today · 4.125%
HK$82,484
baseline
▲ 0.50% · 4.625%
HK$86,832
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,968/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,442
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,255
−HK$2,858/mo
Today · 4.125%
HK$96,113
baseline
▲ 0.50% · 4.625%
HK$101,961
+HK$5,848/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,226/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,615
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,314
−HK$2,737/mo
Today · 4.125%
HK$106,051
baseline
▲ 0.50% · 4.625%
HK$111,641
+HK$5,590/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,102/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,486 · Scale 2, in force from 26 Feb 2026)