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$50,222
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,784
−HK$1,587/mo
Today · 4.125%
HK$53,371
baseline
▲ 0.50% · 4.625%
HK$56,619
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,742/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,871
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,370
−HK$1,520/mo
Today · 4.125%
HK$58,890
baseline
▲ 0.50% · 4.625%
HK$61,994
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,780/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,266
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,905/mo
Today · 4.125%
HK$64,046
baseline
▲ 0.50% · 4.625%
HK$67,943
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,092/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,046
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,844
−HK$1,824/mo
Today · 4.125%
HK$70,668
baseline
▲ 0.50% · 4.625%
HK$74,393
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,336/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,311
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,498
−HK$2,222/mo
Today · 4.125%
HK$74,720
baseline
▲ 0.50% · 4.625%
HK$79,266
+HK$4,546/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,440/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,220
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,318
−HK$2,128/mo
Today · 4.125%
HK$82,446
baseline
▲ 0.50% · 4.625%
HK$86,792
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,892/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,399
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,211
−HK$2,857/mo
Today · 4.125%
HK$96,068
baseline
▲ 0.50% · 4.625%
HK$101,914
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,136/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,568
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,266
−HK$2,736/mo
Today · 4.125%
HK$106,002
baseline
▲ 0.50% · 4.625%
HK$111,589
+HK$5,587/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$212,004/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,049 · Scale 2, in force from 26 Feb 2026)