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$50,218
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,780
−HK$1,587/mo
Today · 4.125%
HK$53,367
baseline
▲ 0.50% · 4.625%
HK$56,614
+HK$3,247/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,734/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,867
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,365
−HK$1,520/mo
Today · 4.125%
HK$58,885
baseline
▲ 0.50% · 4.625%
HK$61,989
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,770/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,904/mo
Today · 4.125%
HK$64,040
baseline
▲ 0.50% · 4.625%
HK$67,937
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,080/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,040
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,838
−HK$1,824/mo
Today · 4.125%
HK$70,662
baseline
▲ 0.50% · 4.625%
HK$74,387
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,324/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,305
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,492
−HK$2,222/mo
Today · 4.125%
HK$74,714
baseline
▲ 0.50% · 4.625%
HK$79,260
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,428/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,214
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,311
−HK$2,128/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$86,785
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,392
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,204
−HK$2,856/mo
Today · 4.125%
HK$96,060
baseline
▲ 0.50% · 4.625%
HK$101,906
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,120/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,560
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,257
−HK$2,736/mo
Today · 4.125%
HK$105,993
baseline
▲ 0.50% · 4.625%
HK$111,580
+HK$5,587/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,986/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,973 · Scale 2, in force from 26 Feb 2026)