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$50,290
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,854
−HK$1,590/mo
Today · 4.125%
HK$53,444
baseline
▲ 0.50% · 4.625%
HK$56,696
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,888/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,947
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,448
−HK$1,522/mo
Today · 4.125%
HK$58,970
baseline
▲ 0.50% · 4.625%
HK$62,078
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,940/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,348
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,225
−HK$1,907/mo
Today · 4.125%
HK$64,132
baseline
▲ 0.50% · 4.625%
HK$68,035
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,264/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,137
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,937
−HK$1,827/mo
Today · 4.125%
HK$70,764
baseline
▲ 0.50% · 4.625%
HK$74,494
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,528/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,406
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,596
−HK$2,225/mo
Today · 4.125%
HK$74,821
baseline
▲ 0.50% · 4.625%
HK$79,374
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,642/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,326
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,427
−HK$2,131/mo
Today · 4.125%
HK$82,558
baseline
▲ 0.50% · 4.625%
HK$86,910
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,116/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,522
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,338
−HK$2,861/mo
Today · 4.125%
HK$96,199
baseline
▲ 0.50% · 4.625%
HK$102,052
+HK$5,853/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,398/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,705
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,406
−HK$2,740/mo
Today · 4.125%
HK$106,146
baseline
▲ 0.50% · 4.625%
HK$111,741
+HK$5,595/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,292/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,320 · Scale 2, in force from 26 Feb 2026)