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$50,311
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,876
−HK$1,590/mo
Today · 4.125%
HK$53,466
baseline
▲ 0.50% · 4.625%
HK$56,720
+HK$3,254/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,932/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,971
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,472
−HK$1,523/mo
Today · 4.125%
HK$58,995
baseline
▲ 0.50% · 4.625%
HK$62,105
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,990/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,374
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,252
−HK$1,908/mo
Today · 4.125%
HK$64,160
baseline
▲ 0.50% · 4.625%
HK$68,064
+HK$3,904/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,320/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,165
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,967
−HK$1,827/mo
Today · 4.125%
HK$70,794
baseline
▲ 0.50% · 4.625%
HK$74,526
+HK$3,732/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,588/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,436
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,627
−HK$2,226/mo
Today · 4.125%
HK$74,853
baseline
▲ 0.50% · 4.625%
HK$79,408
+HK$4,555/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,706/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,359
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,461
−HK$2,132/mo
Today · 4.125%
HK$82,593
baseline
▲ 0.50% · 4.625%
HK$86,946
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,186/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,561
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,378
−HK$2,862/mo
Today · 4.125%
HK$96,240
baseline
▲ 0.50% · 4.625%
HK$102,096
+HK$5,856/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,480/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,748
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,450
−HK$2,741/mo
Today · 4.125%
HK$106,191
baseline
▲ 0.50% · 4.625%
HK$111,788
+HK$5,597/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,382/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,718 · Scale 2, in force from 26 Feb 2026)