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$50,351
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,917
−HK$1,592/mo
Today · 4.125%
HK$53,509
baseline
▲ 0.50% · 4.625%
HK$56,765
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,018/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,015
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,518
−HK$1,524/mo
Today · 4.125%
HK$59,042
baseline
▲ 0.50% · 4.625%
HK$62,154
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,084/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,422
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,301
−HK$1,909/mo
Today · 4.125%
HK$64,210
baseline
▲ 0.50% · 4.625%
HK$68,118
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,420/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,218
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,021
−HK$1,829/mo
Today · 4.125%
HK$70,850
baseline
▲ 0.50% · 4.625%
HK$74,585
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,700/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,492
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,684
−HK$2,228/mo
Today · 4.125%
HK$74,912
baseline
▲ 0.50% · 4.625%
HK$79,470
+HK$4,558/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$149,824/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,421
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,525
−HK$2,133/mo
Today · 4.125%
HK$82,658
baseline
▲ 0.50% · 4.625%
HK$87,015
+HK$4,357/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$165,316/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,632
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,451
−HK$2,865/mo
Today · 4.125%
HK$96,316
baseline
▲ 0.50% · 4.625%
HK$102,176
+HK$5,860/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,632/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,828
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,532
−HK$2,743/mo
Today · 4.125%
HK$106,275
baseline
▲ 0.50% · 4.625%
HK$111,877
+HK$5,602/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,550/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,460 · Scale 2, in force from 26 Feb 2026)