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$50,209
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,587/mo
Today · 4.125%
HK$53,358
baseline
▲ 0.50% · 4.625%
HK$56,604
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,716/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,857
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,355
−HK$1,520/mo
Today · 4.125%
HK$58,875
baseline
▲ 0.50% · 4.625%
HK$61,978
+HK$3,103/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,750/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,251
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,125
−HK$1,904/mo
Today · 4.125%
HK$64,029
baseline
▲ 0.50% · 4.625%
HK$67,925
+HK$3,896/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,058/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,028
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,826
−HK$1,824/mo
Today · 4.125%
HK$70,650
baseline
▲ 0.50% · 4.625%
HK$74,374
+HK$3,724/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,300/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,293
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,479
−HK$2,222/mo
Today · 4.125%
HK$74,701
baseline
▲ 0.50% · 4.625%
HK$79,246
+HK$4,545/mo
Deposit HK$6.61M · loan HK$15.41M · min. income ≈ HK$149,402/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,200
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,297
−HK$2,128/mo
Today · 4.125%
HK$82,425
baseline
▲ 0.50% · 4.625%
HK$86,769
+HK$4,344/mo
Deposit HK$6.61M · loan HK$15.41M · min. income ≈ HK$164,850/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,376
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,187
−HK$2,857/mo
Today · 4.125%
HK$96,044
baseline
▲ 0.50% · 4.625%
HK$101,888
+HK$5,844/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,088/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,543
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,239
−HK$2,736/mo
Today · 4.125%
HK$105,975
baseline
▲ 0.50% · 4.625%
HK$111,561
+HK$5,586/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$211,950/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,808 · Scale 2, in force from 26 Feb 2026)