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$50,272
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,836
−HK$1,589/mo
Today · 4.125%
HK$53,425
baseline
▲ 0.50% · 4.625%
HK$56,676
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,850/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,927
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,427
−HK$1,522/mo
Today · 4.125%
HK$58,949
baseline
▲ 0.50% · 4.625%
HK$62,056
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,898/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,327
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,203
−HK$1,907/mo
Today · 4.125%
HK$64,110
baseline
▲ 0.50% · 4.625%
HK$68,011
+HK$3,901/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,220/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,113
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,913
−HK$1,826/mo
Today · 4.125%
HK$70,739
baseline
▲ 0.50% · 4.625%
HK$74,468
+HK$3,729/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,478/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,381
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,570
−HK$2,225/mo
Today · 4.125%
HK$74,795
baseline
▲ 0.50% · 4.625%
HK$79,346
+HK$4,551/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,590/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,298
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,398
−HK$2,131/mo
Today · 4.125%
HK$82,529
baseline
▲ 0.50% · 4.625%
HK$86,879
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,058/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,490
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,305
−HK$2,860/mo
Today · 4.125%
HK$96,165
baseline
▲ 0.50% · 4.625%
HK$102,016
+HK$5,851/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,330/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,669
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,369
−HK$2,739/mo
Today · 4.125%
HK$106,108
baseline
▲ 0.50% · 4.625%
HK$111,701
+HK$5,593/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,216/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,988 · Scale 2, in force from 26 Feb 2026)