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$50,292
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,589/mo
Today · 4.125%
HK$53,446
baseline
▲ 0.50% · 4.625%
HK$56,698
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,892/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,950
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,450
−HK$1,523/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,946/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,351
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,228
−HK$1,908/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,902/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,140
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$1,826/mo
Today · 4.125%
HK$70,767
baseline
▲ 0.50% · 4.625%
HK$74,497
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,534/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,409
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,600
−HK$2,225/mo
Today · 4.125%
HK$74,825
baseline
▲ 0.50% · 4.625%
HK$79,378
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,650/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,330
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,431
−HK$2,131/mo
Today · 4.125%
HK$82,562
baseline
▲ 0.50% · 4.625%
HK$86,914
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,124/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,526
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,342
−HK$2,861/mo
Today · 4.125%
HK$96,203
baseline
▲ 0.50% · 4.625%
HK$102,057
+HK$5,854/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,406/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,710
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,411
−HK$2,740/mo
Today · 4.125%
HK$106,151
baseline
▲ 0.50% · 4.625%
HK$111,746
+HK$5,595/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,302/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,364 · Scale 2, in force from 26 Feb 2026)