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$50,330
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,896
−HK$1,590/mo
Today · 4.125%
HK$53,486
baseline
▲ 0.50% · 4.625%
HK$56,741
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,972/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,992
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,493
−HK$1,524/mo
Today · 4.125%
HK$59,017
baseline
▲ 0.50% · 4.625%
HK$62,128
+HK$3,111/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,034/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,396
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,275
−HK$1,908/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$68,089
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,190
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,992
−HK$1,828/mo
Today · 4.125%
HK$70,820
baseline
▲ 0.50% · 4.625%
HK$74,553
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,640/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,462
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,654
−HK$2,227/mo
Today · 4.125%
HK$74,881
baseline
▲ 0.50% · 4.625%
HK$79,437
+HK$4,556/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,762/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,388
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,491
−HK$2,132/mo
Today · 4.125%
HK$82,623
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,246/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,594
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,412
−HK$2,863/mo
Today · 4.125%
HK$96,275
baseline
▲ 0.50% · 4.625%
HK$102,133
+HK$5,858/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,550/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,785
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,488
−HK$2,742/mo
Today · 4.125%
HK$106,230
baseline
▲ 0.50% · 4.625%
HK$111,830
+HK$5,600/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,460/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,065 · Scale 2, in force from 26 Feb 2026)