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$50,357
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,591/mo
Today · 4.125%
HK$53,515
baseline
▲ 0.50% · 4.625%
HK$56,771
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,030/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,022
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,524
−HK$1,525/mo
Today · 4.125%
HK$59,049
baseline
▲ 0.50% · 4.625%
HK$62,161
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,098/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,429
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,910/mo
Today · 4.125%
HK$64,218
baseline
▲ 0.50% · 4.625%
HK$68,126
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,436/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,226
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,029
−HK$1,829/mo
Today · 4.125%
HK$70,858
baseline
▲ 0.50% · 4.625%
HK$74,593
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,716/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,500
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,693
−HK$2,228/mo
Today · 4.125%
HK$74,921
baseline
▲ 0.50% · 4.625%
HK$79,480
+HK$4,559/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,842/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,431
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,534
−HK$2,134/mo
Today · 4.125%
HK$82,668
baseline
▲ 0.50% · 4.625%
HK$87,026
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,336/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,643
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,463
−HK$2,864/mo
Today · 4.125%
HK$96,327
baseline
▲ 0.50% · 4.625%
HK$102,188
+HK$5,861/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,654/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,839
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,544
−HK$2,744/mo
Today · 4.125%
HK$106,288
baseline
▲ 0.50% · 4.625%
HK$111,890
+HK$5,602/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,576/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,572 · Scale 2, in force from 26 Feb 2026)