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$50,305
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,870
−HK$1,589/mo
Today · 4.125%
HK$53,459
baseline
▲ 0.50% · 4.625%
HK$56,712
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,918/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,964
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,464
−HK$1,523/mo
Today · 4.125%
HK$58,987
baseline
▲ 0.50% · 4.625%
HK$62,096
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,974/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,366
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,243
−HK$1,908/mo
Today · 4.125%
HK$64,151
baseline
▲ 0.50% · 4.625%
HK$68,055
+HK$3,904/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$128,302/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,156
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,957
−HK$1,827/mo
Today · 4.125%
HK$70,784
baseline
▲ 0.50% · 4.625%
HK$74,516
+HK$3,732/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$141,568/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,427
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,617
−HK$2,226/mo
Today · 4.125%
HK$74,843
baseline
▲ 0.50% · 4.625%
HK$79,397
+HK$4,554/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,686/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,349
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,450
−HK$2,132/mo
Today · 4.125%
HK$82,582
baseline
▲ 0.50% · 4.625%
HK$86,935
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,164/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,549
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,365
−HK$2,862/mo
Today · 4.125%
HK$96,227
baseline
▲ 0.50% · 4.625%
HK$102,082
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,454/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,734
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,436
−HK$2,741/mo
Today · 4.125%
HK$106,177
baseline
▲ 0.50% · 4.625%
HK$111,773
+HK$5,596/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,354/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,593 · Scale 2, in force from 26 Feb 2026)