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$50,287
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,852
−HK$1,589/mo
Today · 4.125%
HK$53,441
baseline
▲ 0.50% · 4.625%
HK$56,693
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,882/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,944
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,445
−HK$1,522/mo
Today · 4.125%
HK$58,967
baseline
▲ 0.50% · 4.625%
HK$62,075
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,934/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,345
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,907/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$68,031
+HK$3,902/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,133
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,934
−HK$1,826/mo
Today · 4.125%
HK$70,760
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,520/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,402
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,592
−HK$2,225/mo
Today · 4.125%
HK$74,817
baseline
▲ 0.50% · 4.625%
HK$79,370
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,634/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,322
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,423
−HK$2,130/mo
Today · 4.125%
HK$82,553
baseline
▲ 0.50% · 4.625%
HK$86,905
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,106/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,517
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,333
−HK$2,861/mo
Today · 4.125%
HK$96,194
baseline
▲ 0.50% · 4.625%
HK$102,047
+HK$5,853/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,388/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,700
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,400
−HK$2,740/mo
Today · 4.125%
HK$106,140
baseline
▲ 0.50% · 4.625%
HK$111,735
+HK$5,595/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,280/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,270 · Scale 2, in force from 26 Feb 2026)