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$50,260
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,823
−HK$1,588/mo
Today · 4.125%
HK$53,411
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,822/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,413
−HK$1,521/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,041
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,312
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,188
−HK$1,906/mo
Today · 4.125%
HK$64,094
baseline
▲ 0.50% · 4.625%
HK$67,994
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,188/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,896
−HK$1,825/mo
Today · 4.125%
HK$70,721
baseline
▲ 0.50% · 4.625%
HK$74,449
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,442/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,364
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,552
−HK$2,224/mo
Today · 4.125%
HK$74,776
baseline
▲ 0.50% · 4.625%
HK$79,326
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,552/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,279
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,378
−HK$2,130/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$86,857
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,467
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,281
−HK$2,860/mo
Today · 4.125%
HK$96,141
baseline
▲ 0.50% · 4.625%
HK$101,990
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,282/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,644
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,343
−HK$2,739/mo
Today · 4.125%
HK$106,082
baseline
▲ 0.50% · 4.625%
HK$111,673
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,164/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,753 · Scale 2, in force from 26 Feb 2026)