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$50,198
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,760
−HK$1,586/mo
Today · 4.125%
HK$53,346
baseline
▲ 0.50% · 4.625%
HK$56,592
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,692/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,845
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,343
−HK$1,519/mo
Today · 4.125%
HK$58,862
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,103/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,724/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,238
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,112
−HK$1,903/mo
Today · 4.125%
HK$64,015
baseline
▲ 0.50% · 4.625%
HK$67,911
+HK$3,896/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,030/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,014
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,811
−HK$1,824/mo
Today · 4.125%
HK$70,635
baseline
▲ 0.50% · 4.625%
HK$74,358
+HK$3,723/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,270/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,278
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,464
−HK$2,221/mo
Today · 4.125%
HK$74,685
baseline
▲ 0.50% · 4.625%
HK$79,229
+HK$4,544/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,370/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,183
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,280
−HK$2,127/mo
Today · 4.125%
HK$82,407
baseline
▲ 0.50% · 4.625%
HK$86,751
+HK$4,344/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,814/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,357
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,168
−HK$2,855/mo
Today · 4.125%
HK$96,023
baseline
▲ 0.50% · 4.625%
HK$101,866
+HK$5,843/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,046/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,521
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,217
−HK$2,735/mo
Today · 4.125%
HK$105,952
baseline
▲ 0.50% · 4.625%
HK$111,537
+HK$5,585/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,904/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,610 · Scale 2, in force from 26 Feb 2026)