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$50,228
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,790
−HK$1,587/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,625
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,754/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,878
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,376
−HK$1,521/mo
Today · 4.125%
HK$58,897
baseline
▲ 0.50% · 4.625%
HK$62,001
+HK$3,104/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,794/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,273
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,905/mo
Today · 4.125%
HK$64,053
baseline
▲ 0.50% · 4.625%
HK$67,950
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,106/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,053
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,852
−HK$1,824/mo
Today · 4.125%
HK$70,676
baseline
▲ 0.50% · 4.625%
HK$74,401
+HK$3,725/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,352/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,319
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,506
−HK$2,222/mo
Today · 4.125%
HK$74,728
baseline
▲ 0.50% · 4.625%
HK$79,275
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,456/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,229
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,327
−HK$2,128/mo
Today · 4.125%
HK$82,455
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,910/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,410
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,222
−HK$2,857/mo
Today · 4.125%
HK$96,079
baseline
▲ 0.50% · 4.625%
HK$101,926
+HK$5,847/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$192,158/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,580
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,278
−HK$2,736/mo
Today · 4.125%
HK$106,014
baseline
▲ 0.50% · 4.625%
HK$111,602
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.82M · min. income ≈ HK$212,028/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,157 · Scale 2, in force from 26 Feb 2026)