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$50,322
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,887
−HK$1,590/mo
Today · 4.125%
HK$53,477
baseline
▲ 0.50% · 4.625%
HK$56,731
+HK$3,254/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,954/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,983
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,523/mo
Today · 4.125%
HK$59,007
baseline
▲ 0.50% · 4.625%
HK$62,117
+HK$3,110/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$118,014/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,386
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,265
−HK$1,908/mo
Today · 4.125%
HK$64,173
baseline
▲ 0.50% · 4.625%
HK$68,078
+HK$3,905/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,346/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,179
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,981
−HK$1,828/mo
Today · 4.125%
HK$70,809
baseline
▲ 0.50% · 4.625%
HK$74,541
+HK$3,732/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,618/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,451
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,642
−HK$2,226/mo
Today · 4.125%
HK$74,868
baseline
▲ 0.50% · 4.625%
HK$79,424
+HK$4,556/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,736/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,376
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,478
−HK$2,132/mo
Today · 4.125%
HK$82,610
baseline
▲ 0.50% · 4.625%
HK$86,964
+HK$4,354/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,220/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,579
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,397
−HK$2,862/mo
Today · 4.125%
HK$96,259
baseline
▲ 0.50% · 4.625%
HK$102,117
+HK$5,858/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,518/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,769
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,471
−HK$2,742/mo
Today · 4.125%
HK$106,213
baseline
▲ 0.50% · 4.625%
HK$111,811
+HK$5,598/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,426/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,912 · Scale 2, in force from 26 Feb 2026)