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$50,189
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,750
−HK$1,586/mo
Today · 4.125%
HK$53,336
baseline
▲ 0.50% · 4.625%
HK$56,581
+HK$3,245/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,672/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,834
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,332
−HK$1,519/mo
Today · 4.125%
HK$58,851
baseline
▲ 0.50% · 4.625%
HK$61,953
+HK$3,102/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,702/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,226
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,100
−HK$1,903/mo
Today · 4.125%
HK$64,003
baseline
▲ 0.50% · 4.625%
HK$67,897
+HK$3,894/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$128,006/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,001
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,798
−HK$1,823/mo
Today · 4.125%
HK$70,621
baseline
▲ 0.50% · 4.625%
HK$74,344
+HK$3,723/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,242/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,264
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,450
−HK$2,220/mo
Today · 4.125%
HK$74,670
baseline
▲ 0.50% · 4.625%
HK$79,214
+HK$4,544/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,340/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,168
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,264
−HK$2,127/mo
Today · 4.125%
HK$82,391
baseline
▲ 0.50% · 4.625%
HK$86,734
+HK$4,343/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,782/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,339
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,150
−HK$2,855/mo
Today · 4.125%
HK$96,005
baseline
▲ 0.50% · 4.625%
HK$101,846
+HK$5,841/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,010/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,502
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,197
−HK$2,735/mo
Today · 4.125%
HK$105,932
baseline
▲ 0.50% · 4.625%
HK$111,515
+HK$5,583/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,864/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,428 · Scale 2, in force from 26 Feb 2026)