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$50,754
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,333
−HK$1,604/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,463
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,536/mo
Today · 4.125%
HK$59,514
baseline
▲ 0.50% · 4.625%
HK$62,651
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,028/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,905
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,799
−HK$1,925/mo
Today · 4.125%
HK$64,724
baseline
▲ 0.50% · 4.625%
HK$68,662
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,448/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,756
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,573
−HK$1,844/mo
Today · 4.125%
HK$71,417
baseline
▲ 0.50% · 4.625%
HK$75,181
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,834/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,056
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$2,245/mo
Today · 4.125%
HK$75,511
baseline
▲ 0.50% · 4.625%
HK$80,106
+HK$4,595/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,022/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,049
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,169
−HK$2,150/mo
Today · 4.125%
HK$83,319
baseline
▲ 0.50% · 4.625%
HK$87,711
+HK$4,392/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,638/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,357
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,199
−HK$2,887/mo
Today · 4.125%
HK$97,086
baseline
▲ 0.50% · 4.625%
HK$102,993
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,172/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,634
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,360
−HK$2,765/mo
Today · 4.125%
HK$107,125
baseline
▲ 0.50% · 4.625%
HK$112,772
+HK$5,647/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,250/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,966 · Scale 2, in force from 26 Feb 2026)