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$50,260
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,824
−HK$1,588/mo
Today · 4.125%
HK$53,412
baseline
▲ 0.50% · 4.625%
HK$56,662
+HK$3,250/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,824/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,914
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,521/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,041
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,312
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,188
−HK$1,906/mo
Today · 4.125%
HK$64,094
baseline
▲ 0.50% · 4.625%
HK$67,994
+HK$3,900/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$128,188/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,097
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,896
−HK$1,826/mo
Today · 4.125%
HK$70,722
baseline
▲ 0.50% · 4.625%
HK$74,450
+HK$3,728/mo
Deposit HK$8.82M · loan HK$13.22M · min. income ≈ HK$141,444/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,364
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,553
−HK$2,224/mo
Today · 4.125%
HK$74,777
baseline
▲ 0.50% · 4.625%
HK$79,327
+HK$4,550/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,554/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,280
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,379
−HK$2,130/mo
Today · 4.125%
HK$82,509
baseline
▲ 0.50% · 4.625%
HK$86,858
+HK$4,349/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,018/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,468
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,283
−HK$2,859/mo
Today · 4.125%
HK$96,142
baseline
▲ 0.50% · 4.625%
HK$101,992
+HK$5,850/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,284/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,645
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,344
−HK$2,739/mo
Today · 4.125%
HK$106,083
baseline
▲ 0.50% · 4.625%
HK$111,675
+HK$5,592/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,166/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,764 · Scale 2, in force from 26 Feb 2026)