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$50,743
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,321
−HK$1,604/mo
Today · 4.125%
HK$53,925
baseline
▲ 0.50% · 4.625%
HK$57,206
+HK$3,281/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,850/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,451
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,965
−HK$1,535/mo
Today · 4.125%
HK$59,500
baseline
▲ 0.50% · 4.625%
HK$62,637
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,000/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,891
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,925/mo
Today · 4.125%
HK$64,710
baseline
▲ 0.50% · 4.625%
HK$68,647
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,420/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,741
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,558
−HK$1,843/mo
Today · 4.125%
HK$71,401
baseline
▲ 0.50% · 4.625%
HK$75,164
+HK$3,763/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,802/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,040
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,249
−HK$2,245/mo
Today · 4.125%
HK$75,494
baseline
▲ 0.50% · 4.625%
HK$80,088
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$150,988/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,031
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,150
−HK$2,151/mo
Today · 4.125%
HK$83,301
baseline
▲ 0.50% · 4.625%
HK$87,692
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,602/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,337
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,178
−HK$2,886/mo
Today · 4.125%
HK$97,064
baseline
▲ 0.50% · 4.625%
HK$102,970
+HK$5,906/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,128/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,611
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,336
−HK$2,765/mo
Today · 4.125%
HK$107,101
baseline
▲ 0.50% · 4.625%
HK$112,746
+HK$5,645/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,202/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,754 · Scale 2, in force from 26 Feb 2026)