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$50,335
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,900
−HK$1,591/mo
Today · 4.125%
HK$53,491
baseline
▲ 0.50% · 4.625%
HK$56,746
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,982/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,997
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,499
−HK$1,523/mo
Today · 4.125%
HK$59,022
baseline
▲ 0.50% · 4.625%
HK$62,133
+HK$3,111/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,044/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,402
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,281
−HK$1,908/mo
Today · 4.125%
HK$64,189
baseline
▲ 0.50% · 4.625%
HK$68,095
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,378/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,196
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$1,828/mo
Today · 4.125%
HK$70,827
baseline
▲ 0.50% · 4.625%
HK$74,560
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,654/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,469
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,661
−HK$2,227/mo
Today · 4.125%
HK$74,888
baseline
▲ 0.50% · 4.625%
HK$79,444
+HK$4,556/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,776/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,396
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,498
−HK$2,133/mo
Today · 4.125%
HK$82,631
baseline
▲ 0.50% · 4.625%
HK$86,987
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,262/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,603
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,421
−HK$2,863/mo
Today · 4.125%
HK$96,284
baseline
▲ 0.50% · 4.625%
HK$102,143
+HK$5,859/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,568/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,795
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,498
−HK$2,742/mo
Today · 4.125%
HK$106,240
baseline
▲ 0.50% · 4.625%
HK$111,840
+HK$5,600/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,480/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,153 · Scale 2, in force from 26 Feb 2026)