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$50,741
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,319
−HK$1,604/mo
Today · 4.125%
HK$53,923
baseline
▲ 0.50% · 4.625%
HK$57,204
+HK$3,281/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,846/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,449
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,963
−HK$1,536/mo
Today · 4.125%
HK$59,499
baseline
▲ 0.50% · 4.625%
HK$62,635
+HK$3,136/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$118,998/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,889
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,783
−HK$1,925/mo
Today · 4.125%
HK$64,708
baseline
▲ 0.50% · 4.625%
HK$68,645
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,416/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,739
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,555
−HK$1,843/mo
Today · 4.125%
HK$71,398
baseline
▲ 0.50% · 4.625%
HK$75,162
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,796/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,037
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,247
−HK$2,245/mo
Today · 4.125%
HK$75,492
baseline
▲ 0.50% · 4.625%
HK$80,086
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$150,984/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,028
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,148
−HK$2,150/mo
Today · 4.125%
HK$83,298
baseline
▲ 0.50% · 4.625%
HK$87,689
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,596/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,334
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,175
−HK$2,886/mo
Today · 4.125%
HK$97,061
baseline
▲ 0.50% · 4.625%
HK$102,967
+HK$5,906/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,122/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,608
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,333
−HK$2,765/mo
Today · 4.125%
HK$107,098
baseline
▲ 0.50% · 4.625%
HK$112,743
+HK$5,645/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,196/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,725 · Scale 2, in force from 26 Feb 2026)