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$50,273
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,837
−HK$1,589/mo
Today · 4.125%
HK$53,426
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,852/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,929
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,429
−HK$1,521/mo
Today · 4.125%
HK$58,950
baseline
▲ 0.50% · 4.625%
HK$62,058
+HK$3,108/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,900/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,205
−HK$1,906/mo
Today · 4.125%
HK$64,111
baseline
▲ 0.50% · 4.625%
HK$68,012
+HK$3,901/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,222/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,114
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,914
−HK$1,826/mo
Today · 4.125%
HK$70,740
baseline
▲ 0.50% · 4.625%
HK$74,469
+HK$3,729/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,480/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,383
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,572
−HK$2,224/mo
Today · 4.125%
HK$74,796
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$4,551/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,592/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,300
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,400
−HK$2,130/mo
Today · 4.125%
HK$82,530
baseline
▲ 0.50% · 4.625%
HK$86,881
+HK$4,351/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,060/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,492
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,307
−HK$2,860/mo
Today · 4.125%
HK$96,167
baseline
▲ 0.50% · 4.625%
HK$102,018
+HK$5,851/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,334/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,671
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,371
−HK$2,739/mo
Today · 4.125%
HK$106,110
baseline
▲ 0.50% · 4.625%
HK$111,704
+HK$5,594/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,220/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,007 · Scale 2, in force from 26 Feb 2026)