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$50,342
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,591/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,754
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,005
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,524/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,143
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,411
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,909/mo
Today · 4.125%
HK$64,199
baseline
▲ 0.50% · 4.625%
HK$68,105
+HK$3,906/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,398/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,206
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,009
−HK$1,828/mo
Today · 4.125%
HK$70,837
baseline
▲ 0.50% · 4.625%
HK$74,571
+HK$3,734/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,674/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,479
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,671
−HK$2,228/mo
Today · 4.125%
HK$74,899
baseline
▲ 0.50% · 4.625%
HK$79,456
+HK$4,557/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,798/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,407
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,510
−HK$2,133/mo
Today · 4.125%
HK$82,643
baseline
▲ 0.50% · 4.625%
HK$87,000
+HK$4,357/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,286/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,616
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,435
−HK$2,863/mo
Today · 4.125%
HK$96,298
baseline
▲ 0.50% · 4.625%
HK$102,158
+HK$5,860/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,596/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,809
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,513
−HK$2,743/mo
Today · 4.125%
HK$106,256
baseline
▲ 0.50% · 4.625%
HK$111,857
+HK$5,601/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,512/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,290 · Scale 2, in force from 26 Feb 2026)