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$50,249
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,812
−HK$1,588/mo
Today · 4.125%
HK$53,400
baseline
▲ 0.50% · 4.625%
HK$56,649
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,800/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,902
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,401
−HK$1,521/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,028
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,299
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,175
−HK$1,905/mo
Today · 4.125%
HK$64,080
baseline
▲ 0.50% · 4.625%
HK$67,979
+HK$3,899/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,160/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,082
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,881
−HK$1,825/mo
Today · 4.125%
HK$70,706
baseline
▲ 0.50% · 4.625%
HK$74,433
+HK$3,727/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,412/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,349
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,537
−HK$2,223/mo
Today · 4.125%
HK$74,760
baseline
▲ 0.50% · 4.625%
HK$79,309
+HK$4,549/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,520/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,262
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,361
−HK$2,130/mo
Today · 4.125%
HK$82,491
baseline
▲ 0.50% · 4.625%
HK$86,839
+HK$4,348/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$164,982/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,448
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,262
−HK$2,858/mo
Today · 4.125%
HK$96,120
baseline
▲ 0.50% · 4.625%
HK$101,969
+HK$5,849/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,240/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,623
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,322
−HK$2,737/mo
Today · 4.125%
HK$106,059
baseline
▲ 0.50% · 4.625%
HK$111,650
+HK$5,591/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,118/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,556 · Scale 2, in force from 26 Feb 2026)