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$50,231
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,587/mo
Today · 4.125%
HK$53,381
baseline
▲ 0.50% · 4.625%
HK$56,629
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,762/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,882
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,520/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,006
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,278
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,153
−HK$1,905/mo
Today · 4.125%
HK$64,058
baseline
▲ 0.50% · 4.625%
HK$67,955
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,116/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,058
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,857
−HK$1,824/mo
Today · 4.125%
HK$70,681
baseline
▲ 0.50% · 4.625%
HK$74,407
+HK$3,726/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,362/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,324
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,511
−HK$2,223/mo
Today · 4.125%
HK$74,734
baseline
▲ 0.50% · 4.625%
HK$79,281
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,468/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,235
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,333
−HK$2,128/mo
Today · 4.125%
HK$82,461
baseline
▲ 0.50% · 4.625%
HK$86,808
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,922/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,417
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,229
−HK$2,857/mo
Today · 4.125%
HK$96,086
baseline
▲ 0.50% · 4.625%
HK$101,933
+HK$5,847/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,172/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,587
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,285
−HK$2,737/mo
Today · 4.125%
HK$106,022
baseline
▲ 0.50% · 4.625%
HK$111,610
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,044/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,226 · Scale 2, in force from 26 Feb 2026)