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$50,270
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,589/mo
Today · 4.125%
HK$53,422
baseline
▲ 0.50% · 4.625%
HK$56,673
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,844/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,925
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,522/mo
Today · 4.125%
HK$58,946
baseline
▲ 0.50% · 4.625%
HK$62,053
+HK$3,107/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,892/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,324
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,906/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$68,007
+HK$3,901/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,109
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,909
−HK$1,826/mo
Today · 4.125%
HK$70,735
baseline
▲ 0.50% · 4.625%
HK$74,464
+HK$3,729/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,470/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,378
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,567
−HK$2,224/mo
Today · 4.125%
HK$74,791
baseline
▲ 0.50% · 4.625%
HK$79,342
+HK$4,551/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,582/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,294
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,394
−HK$2,130/mo
Today · 4.125%
HK$82,524
baseline
▲ 0.50% · 4.625%
HK$86,874
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,048/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,485
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,300
−HK$2,860/mo
Today · 4.125%
HK$96,160
baseline
▲ 0.50% · 4.625%
HK$102,011
+HK$5,851/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,320/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,664
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,364
−HK$2,739/mo
Today · 4.125%
HK$106,103
baseline
▲ 0.50% · 4.625%
HK$111,696
+HK$5,593/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,206/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,940 · Scale 2, in force from 26 Feb 2026)