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$50,201
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,763
−HK$1,587/mo
Today · 4.125%
HK$53,350
baseline
▲ 0.50% · 4.625%
HK$56,596
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,700/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,849
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,346
−HK$1,520/mo
Today · 4.125%
HK$58,866
baseline
▲ 0.50% · 4.625%
HK$61,969
+HK$3,103/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,732/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,242
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,116
−HK$1,903/mo
Today · 4.125%
HK$64,019
baseline
▲ 0.50% · 4.625%
HK$67,915
+HK$3,896/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,038/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,018
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,816
−HK$1,823/mo
Today · 4.125%
HK$70,639
baseline
▲ 0.50% · 4.625%
HK$74,363
+HK$3,724/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,278/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,282
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,468
−HK$2,221/mo
Today · 4.125%
HK$74,689
baseline
▲ 0.50% · 4.625%
HK$79,234
+HK$4,545/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,378/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,188
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,285
−HK$2,127/mo
Today · 4.125%
HK$82,412
baseline
▲ 0.50% · 4.625%
HK$86,756
+HK$4,344/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,824/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,363
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,173
−HK$2,856/mo
Today · 4.125%
HK$96,029
baseline
▲ 0.50% · 4.625%
HK$101,872
+HK$5,843/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,058/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,528
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,224
−HK$2,735/mo
Today · 4.125%
HK$105,959
baseline
▲ 0.50% · 4.625%
HK$111,544
+HK$5,585/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,918/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,669 · Scale 2, in force from 26 Feb 2026)