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$50,319
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,884
−HK$1,590/mo
Today · 4.125%
HK$53,474
baseline
▲ 0.50% · 4.625%
HK$56,728
+HK$3,254/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,948/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,979
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,480
−HK$1,523/mo
Today · 4.125%
HK$59,003
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,111/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$118,006/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,383
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,261
−HK$1,908/mo
Today · 4.125%
HK$64,169
baseline
▲ 0.50% · 4.625%
HK$68,074
+HK$3,905/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,338/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,175
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,977
−HK$1,827/mo
Today · 4.125%
HK$70,804
baseline
▲ 0.50% · 4.625%
HK$74,536
+HK$3,732/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,608/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,446
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,638
−HK$2,226/mo
Today · 4.125%
HK$74,864
baseline
▲ 0.50% · 4.625%
HK$79,419
+HK$4,555/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,728/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,371
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,473
−HK$2,132/mo
Today · 4.125%
HK$82,605
baseline
▲ 0.50% · 4.625%
HK$86,959
+HK$4,354/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,210/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,574
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,391
−HK$2,863/mo
Today · 4.125%
HK$96,254
baseline
▲ 0.50% · 4.625%
HK$102,110
+HK$5,856/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,508/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,762
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,465
−HK$2,741/mo
Today · 4.125%
HK$106,206
baseline
▲ 0.50% · 4.625%
HK$111,805
+HK$5,599/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,412/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,854 · Scale 2, in force from 26 Feb 2026)