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$50,771
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,350
−HK$1,605/mo
Today · 4.125%
HK$53,955
baseline
▲ 0.50% · 4.625%
HK$57,238
+HK$3,283/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,910/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,482
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$57,997
−HK$1,537/mo
Today · 4.125%
HK$59,534
baseline
▲ 0.50% · 4.625%
HK$62,672
+HK$3,138/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,068/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,925
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,926/mo
Today · 4.125%
HK$64,746
baseline
▲ 0.50% · 4.625%
HK$68,685
+HK$3,939/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,492/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,779
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$1,844/mo
Today · 4.125%
HK$71,440
baseline
▲ 0.50% · 4.625%
HK$75,206
+HK$3,766/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,880/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,079
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,290
−HK$2,247/mo
Today · 4.125%
HK$75,537
baseline
▲ 0.50% · 4.625%
HK$80,133
+HK$4,596/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,074/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,075
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,196
−HK$2,151/mo
Today · 4.125%
HK$83,347
baseline
▲ 0.50% · 4.625%
HK$87,740
+HK$4,393/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,694/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,388
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,230
−HK$2,888/mo
Today · 4.125%
HK$97,118
baseline
▲ 0.50% · 4.625%
HK$103,028
+HK$5,910/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,236/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,668
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,394
−HK$2,767/mo
Today · 4.125%
HK$107,161
baseline
▲ 0.50% · 4.625%
HK$112,809
+HK$5,648/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,322/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,281 · Scale 2, in force from 26 Feb 2026)