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$50,193
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,754
−HK$1,586/mo
Today · 4.125%
HK$53,340
baseline
▲ 0.50% · 4.625%
HK$56,586
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,680/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,839
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,337
−HK$1,519/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$61,958
+HK$3,102/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,231
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,105
−HK$1,904/mo
Today · 4.125%
HK$64,009
baseline
▲ 0.50% · 4.625%
HK$67,903
+HK$3,894/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$128,018/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,007
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,804
−HK$1,823/mo
Today · 4.125%
HK$70,627
baseline
▲ 0.50% · 4.625%
HK$74,350
+HK$3,723/mo
Deposit HK$8.80M · loan HK$13.21M · min. income ≈ HK$141,254/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,270
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,456
−HK$2,221/mo
Today · 4.125%
HK$74,677
baseline
▲ 0.50% · 4.625%
HK$79,220
+HK$4,543/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,354/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,175
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,271
−HK$2,127/mo
Today · 4.125%
HK$82,398
baseline
▲ 0.50% · 4.625%
HK$86,742
+HK$4,344/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,796/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,347
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,158
−HK$2,855/mo
Today · 4.125%
HK$96,013
baseline
▲ 0.50% · 4.625%
HK$101,855
+HK$5,842/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,026/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,510
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,206
−HK$2,735/mo
Today · 4.125%
HK$105,941
baseline
▲ 0.50% · 4.625%
HK$111,525
+HK$5,584/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,882/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,508 · Scale 2, in force from 26 Feb 2026)