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$50,801
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,381
−HK$1,605/mo
Today · 4.125%
HK$53,986
baseline
▲ 0.50% · 4.625%
HK$57,271
+HK$3,285/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,972/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,515
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,031
−HK$1,538/mo
Today · 4.125%
HK$59,569
baseline
▲ 0.50% · 4.625%
HK$62,709
+HK$3,140/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,138/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,961
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,857
−HK$1,927/mo
Today · 4.125%
HK$64,784
baseline
▲ 0.50% · 4.625%
HK$68,726
+HK$3,942/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,568/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,818
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,637
−HK$1,845/mo
Today · 4.125%
HK$71,482
baseline
▲ 0.50% · 4.625%
HK$75,250
+HK$3,768/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,964/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,121
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,333
−HK$2,248/mo
Today · 4.125%
HK$75,581
baseline
▲ 0.50% · 4.625%
HK$80,180
+HK$4,599/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,162/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,121
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,243
−HK$2,153/mo
Today · 4.125%
HK$83,396
baseline
▲ 0.50% · 4.625%
HK$87,792
+HK$4,396/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,792/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,441
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,286
−HK$2,889/mo
Today · 4.125%
HK$97,175
baseline
▲ 0.50% · 4.625%
HK$103,088
+HK$5,913/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,350/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,727
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,456
−HK$2,768/mo
Today · 4.125%
HK$107,224
baseline
▲ 0.50% · 4.625%
HK$112,875
+HK$5,651/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,448/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,837 · Scale 2, in force from 26 Feb 2026)