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$50,340
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,590/mo
Today · 4.125%
HK$53,496
baseline
▲ 0.50% · 4.625%
HK$56,752
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,992/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,002
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,504
−HK$1,524/mo
Today · 4.125%
HK$59,028
baseline
▲ 0.50% · 4.625%
HK$62,140
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,056/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,408
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,287
−HK$1,909/mo
Today · 4.125%
HK$64,196
baseline
▲ 0.50% · 4.625%
HK$68,102
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,392/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,203
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,005
−HK$1,829/mo
Today · 4.125%
HK$70,834
baseline
▲ 0.50% · 4.625%
HK$74,567
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,668/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,476
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,668
−HK$2,227/mo
Today · 4.125%
HK$74,895
baseline
▲ 0.50% · 4.625%
HK$79,452
+HK$4,557/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,790/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,403
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,506
−HK$2,133/mo
Today · 4.125%
HK$82,639
baseline
▲ 0.50% · 4.625%
HK$86,995
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,278/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,612
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,430
−HK$2,864/mo
Today · 4.125%
HK$96,294
baseline
▲ 0.50% · 4.625%
HK$102,153
+HK$5,859/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,588/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,804
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,508
−HK$2,743/mo
Today · 4.125%
HK$106,251
baseline
▲ 0.50% · 4.625%
HK$111,851
+HK$5,600/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,502/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,245 · Scale 2, in force from 26 Feb 2026)