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$50,234
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,797
−HK$1,587/mo
Today · 4.125%
HK$53,384
baseline
▲ 0.50% · 4.625%
HK$56,633
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,768/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,885
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,384
−HK$1,520/mo
Today · 4.125%
HK$58,904
baseline
▲ 0.50% · 4.625%
HK$62,009
+HK$3,105/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,808/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,156
−HK$1,905/mo
Today · 4.125%
HK$64,061
baseline
▲ 0.50% · 4.625%
HK$67,959
+HK$3,898/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,122/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,062
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,861
−HK$1,824/mo
Today · 4.125%
HK$70,685
baseline
▲ 0.50% · 4.625%
HK$74,411
+HK$3,726/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,370/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,328
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,515
−HK$2,223/mo
Today · 4.125%
HK$74,738
baseline
▲ 0.50% · 4.625%
HK$79,286
+HK$4,548/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,476/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,239
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,337
−HK$2,129/mo
Today · 4.125%
HK$82,466
baseline
▲ 0.50% · 4.625%
HK$86,813
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,932/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,421
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,234
−HK$2,858/mo
Today · 4.125%
HK$96,092
baseline
▲ 0.50% · 4.625%
HK$101,939
+HK$5,847/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,184/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,593
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,291
−HK$2,737/mo
Today · 4.125%
HK$106,028
baseline
▲ 0.50% · 4.625%
HK$111,617
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,056/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,277 · Scale 2, in force from 26 Feb 2026)