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$50,282
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,589/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,687
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,522/mo
Today · 4.125%
HK$58,961
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,107/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,922/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,339
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,215
−HK$1,907/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,902/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$1,827/mo
Today · 4.125%
HK$70,753
baseline
▲ 0.50% · 4.625%
HK$74,482
+HK$3,729/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,506/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,395
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,585
−HK$2,224/mo
Today · 4.125%
HK$74,809
baseline
▲ 0.50% · 4.625%
HK$79,361
+HK$4,552/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,618/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,314
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,414
−HK$2,131/mo
Today · 4.125%
HK$82,545
baseline
▲ 0.50% · 4.625%
HK$86,896
+HK$4,351/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,090/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,508
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,323
−HK$2,861/mo
Today · 4.125%
HK$96,184
baseline
▲ 0.50% · 4.625%
HK$102,036
+HK$5,852/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,368/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,689
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,390
−HK$2,739/mo
Today · 4.125%
HK$106,129
baseline
▲ 0.50% · 4.625%
HK$111,723
+HK$5,594/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,258/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,173 · Scale 2, in force from 26 Feb 2026)