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$50,252
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,815
−HK$1,588/mo
Today · 4.125%
HK$53,403
baseline
▲ 0.50% · 4.625%
HK$56,653
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,806/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,905
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,404
−HK$1,521/mo
Today · 4.125%
HK$58,925
baseline
▲ 0.50% · 4.625%
HK$62,031
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,850/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,302
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,178
−HK$1,906/mo
Today · 4.125%
HK$64,084
baseline
▲ 0.50% · 4.625%
HK$67,983
+HK$3,899/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,168/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,086
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,885
−HK$1,825/mo
Today · 4.125%
HK$70,710
baseline
▲ 0.50% · 4.625%
HK$74,437
+HK$3,727/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,420/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,353
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$2,223/mo
Today · 4.125%
HK$74,764
baseline
▲ 0.50% · 4.625%
HK$79,314
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,528/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,267
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,366
−HK$2,129/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$86,844
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$164,990/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,454
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,267
−HK$2,859/mo
Today · 4.125%
HK$96,126
baseline
▲ 0.50% · 4.625%
HK$101,975
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,252/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,629
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,327
−HK$2,738/mo
Today · 4.125%
HK$106,065
baseline
▲ 0.50% · 4.625%
HK$111,656
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,130/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,609 · Scale 2, in force from 26 Feb 2026)