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$50,318
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,883
−HK$1,590/mo
Today · 4.125%
HK$53,473
baseline
▲ 0.50% · 4.625%
HK$56,727
+HK$3,254/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,946/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,978
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,479
−HK$1,524/mo
Today · 4.125%
HK$59,003
baseline
▲ 0.50% · 4.625%
HK$62,113
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$118,006/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,382
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,260
−HK$1,908/mo
Today · 4.125%
HK$64,168
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,904/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,336/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,174
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$1,828/mo
Today · 4.125%
HK$70,803
baseline
▲ 0.50% · 4.625%
HK$74,535
+HK$3,732/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,606/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,445
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,636
−HK$2,227/mo
Today · 4.125%
HK$74,863
baseline
▲ 0.50% · 4.625%
HK$79,418
+HK$4,555/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,726/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,369
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,471
−HK$2,133/mo
Today · 4.125%
HK$82,604
baseline
▲ 0.50% · 4.625%
HK$86,958
+HK$4,354/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,208/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,572
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,390
−HK$2,862/mo
Today · 4.125%
HK$96,252
baseline
▲ 0.50% · 4.625%
HK$102,109
+HK$5,857/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,504/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,761
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,463
−HK$2,742/mo
Today · 4.125%
HK$106,205
baseline
▲ 0.50% · 4.625%
HK$111,803
+HK$5,598/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,410/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,839 · Scale 2, in force from 26 Feb 2026)