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$50,786
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,366
−HK$1,605/mo
Today · 4.125%
HK$53,971
baseline
▲ 0.50% · 4.625%
HK$57,255
+HK$3,284/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,942/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,499
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,014
−HK$1,537/mo
Today · 4.125%
HK$59,551
baseline
▲ 0.50% · 4.625%
HK$62,690
+HK$3,139/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,102/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,943
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,839
−HK$1,926/mo
Today · 4.125%
HK$64,765
baseline
▲ 0.50% · 4.625%
HK$68,705
+HK$3,940/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,530/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,798
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,617
−HK$1,844/mo
Today · 4.125%
HK$71,461
baseline
▲ 0.50% · 4.625%
HK$75,228
+HK$3,767/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,922/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,100
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,312
−HK$2,247/mo
Today · 4.125%
HK$75,559
baseline
▲ 0.50% · 4.625%
HK$80,156
+HK$4,597/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,118/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,098
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,220
−HK$2,152/mo
Today · 4.125%
HK$83,372
baseline
▲ 0.50% · 4.625%
HK$87,766
+HK$4,394/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,744/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,415
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,258
−HK$2,889/mo
Today · 4.125%
HK$97,147
baseline
▲ 0.50% · 4.625%
HK$103,058
+HK$5,911/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,294/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,698
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,425
−HK$2,767/mo
Today · 4.125%
HK$107,192
baseline
▲ 0.50% · 4.625%
HK$112,842
+HK$5,650/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,384/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,560 · Scale 2, in force from 26 Feb 2026)