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$50,782
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,362
−HK$1,605/mo
Today · 4.125%
HK$53,967
baseline
▲ 0.50% · 4.625%
HK$57,251
+HK$3,284/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,934/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,495
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,010
−HK$1,537/mo
Today · 4.125%
HK$59,547
baseline
▲ 0.50% · 4.625%
HK$62,686
+HK$3,139/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,094/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,939
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,834
−HK$1,926/mo
Today · 4.125%
HK$64,760
baseline
▲ 0.50% · 4.625%
HK$68,701
+HK$3,941/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,520/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,794
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,612
−HK$1,844/mo
Today · 4.125%
HK$71,456
baseline
▲ 0.50% · 4.625%
HK$75,223
+HK$3,767/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,912/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,095
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,307
−HK$2,246/mo
Today · 4.125%
HK$75,553
baseline
▲ 0.50% · 4.625%
HK$80,151
+HK$4,598/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,106/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,093
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,214
−HK$2,152/mo
Today · 4.125%
HK$83,366
baseline
▲ 0.50% · 4.625%
HK$87,760
+HK$4,394/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,732/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,408
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,251
−HK$2,889/mo
Today · 4.125%
HK$97,140
baseline
▲ 0.50% · 4.625%
HK$103,051
+HK$5,911/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$194,280/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,691
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,418
−HK$2,767/mo
Today · 4.125%
HK$107,185
baseline
▲ 0.50% · 4.625%
HK$112,834
+HK$5,649/mo
Deposit HK$2.23M · loan HK$20.04M · min. income ≈ HK$214,370/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,494 · Scale 2, in force from 26 Feb 2026)