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$50,278
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,842
−HK$1,589/mo
Today · 4.125%
HK$53,431
baseline
▲ 0.50% · 4.625%
HK$56,682
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,862/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,934
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,434
−HK$1,522/mo
Today · 4.125%
HK$58,956
baseline
▲ 0.50% · 4.625%
HK$62,064
+HK$3,108/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,912/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,334
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,211
−HK$1,907/mo
Today · 4.125%
HK$64,118
baseline
▲ 0.50% · 4.625%
HK$68,019
+HK$3,901/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,236/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,121
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,921
−HK$1,826/mo
Today · 4.125%
HK$70,747
baseline
▲ 0.50% · 4.625%
HK$74,477
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,494/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,390
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,579
−HK$2,225/mo
Today · 4.125%
HK$74,804
baseline
▲ 0.50% · 4.625%
HK$79,355
+HK$4,551/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,608/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,308
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,408
−HK$2,131/mo
Today · 4.125%
HK$82,539
baseline
▲ 0.50% · 4.625%
HK$86,889
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,078/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,501
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,316
−HK$2,860/mo
Today · 4.125%
HK$96,176
baseline
▲ 0.50% · 4.625%
HK$102,028
+HK$5,852/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,352/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,682
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,382
−HK$2,739/mo
Today · 4.125%
HK$106,121
baseline
▲ 0.50% · 4.625%
HK$111,715
+HK$5,594/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,242/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,101 · Scale 2, in force from 26 Feb 2026)