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$50,261
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,825
−HK$1,588/mo
Today · 4.125%
HK$53,413
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,826/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,915
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,415
−HK$1,521/mo
Today · 4.125%
HK$58,936
baseline
▲ 0.50% · 4.625%
HK$62,043
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,872/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,313
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,190
−HK$1,906/mo
Today · 4.125%
HK$64,096
baseline
▲ 0.50% · 4.625%
HK$67,996
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,192/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,098
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,898
−HK$1,825/mo
Today · 4.125%
HK$70,723
baseline
▲ 0.50% · 4.625%
HK$74,451
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,446/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,366
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,554
−HK$2,224/mo
Today · 4.125%
HK$74,778
baseline
▲ 0.50% · 4.625%
HK$79,328
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,556/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,281
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,381
−HK$2,129/mo
Today · 4.125%
HK$82,510
baseline
▲ 0.50% · 4.625%
HK$86,860
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,020/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,470
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,284
−HK$2,859/mo
Today · 4.125%
HK$96,143
baseline
▲ 0.50% · 4.625%
HK$101,994
+HK$5,851/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,286/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,647
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,346
−HK$2,739/mo
Today · 4.125%
HK$106,085
baseline
▲ 0.50% · 4.625%
HK$111,677
+HK$5,592/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,170/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,782 · Scale 2, in force from 26 Feb 2026)