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$50,757
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,336
−HK$1,604/mo
Today · 4.125%
HK$53,940
baseline
▲ 0.50% · 4.625%
HK$57,222
+HK$3,282/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,880/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,467
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,981
−HK$1,537/mo
Today · 4.125%
HK$59,518
baseline
▲ 0.50% · 4.625%
HK$62,655
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,036/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,909
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,803
−HK$1,925/mo
Today · 4.125%
HK$64,728
baseline
▲ 0.50% · 4.625%
HK$68,667
+HK$3,939/mo
Deposit HK$8.90M · loan HK$13.36M · min. income ≈ HK$129,456/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,760
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,577
−HK$1,844/mo
Today · 4.125%
HK$71,421
baseline
▲ 0.50% · 4.625%
HK$75,186
+HK$3,765/mo
Deposit HK$8.90M · loan HK$13.36M · min. income ≈ HK$142,842/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,060
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,270
−HK$2,246/mo
Today · 4.125%
HK$75,516
baseline
▲ 0.50% · 4.625%
HK$80,111
+HK$4,595/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$151,032/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,054
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,174
−HK$2,151/mo
Today · 4.125%
HK$83,325
baseline
▲ 0.50% · 4.625%
HK$87,717
+HK$4,392/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,650/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,363
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,205
−HK$2,887/mo
Today · 4.125%
HK$97,092
baseline
▲ 0.50% · 4.625%
HK$103,000
+HK$5,908/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,184/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,640
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,366
−HK$2,766/mo
Today · 4.125%
HK$107,132
baseline
▲ 0.50% · 4.625%
HK$112,779
+HK$5,647/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,264/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,025 · Scale 2, in force from 26 Feb 2026)