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$50,798
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,378
−HK$1,605/mo
Today · 4.125%
HK$53,983
baseline
▲ 0.50% · 4.625%
HK$57,268
+HK$3,285/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,966/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,512
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,028
−HK$1,537/mo
Today · 4.125%
HK$59,565
baseline
▲ 0.50% · 4.625%
HK$62,705
+HK$3,140/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,130/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,957
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,853
−HK$1,927/mo
Today · 4.125%
HK$64,780
baseline
▲ 0.50% · 4.625%
HK$68,721
+HK$3,941/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,560/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,814
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,633
−HK$1,845/mo
Today · 4.125%
HK$71,478
baseline
▲ 0.50% · 4.625%
HK$75,246
+HK$3,768/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,956/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,117
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,329
−HK$2,247/mo
Today · 4.125%
HK$75,576
baseline
▲ 0.50% · 4.625%
HK$80,175
+HK$4,599/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,152/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,117
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,239
−HK$2,152/mo
Today · 4.125%
HK$83,391
baseline
▲ 0.50% · 4.625%
HK$87,787
+HK$4,396/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,782/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,436
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,280
−HK$2,890/mo
Today · 4.125%
HK$97,170
baseline
▲ 0.50% · 4.625%
HK$103,082
+HK$5,912/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,340/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,721
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,450
−HK$2,767/mo
Today · 4.125%
HK$107,217
baseline
▲ 0.50% · 4.625%
HK$112,869
+HK$5,652/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,434/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,781 · Scale 2, in force from 26 Feb 2026)