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$50,377
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,592/mo
Today · 4.125%
HK$53,537
baseline
▲ 0.50% · 4.625%
HK$56,794
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,074/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,044
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,548
−HK$1,524/mo
Today · 4.125%
HK$59,072
baseline
▲ 0.50% · 4.625%
HK$62,186
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,144/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,453
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,911/mo
Today · 4.125%
HK$64,244
baseline
▲ 0.50% · 4.625%
HK$68,153
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,488/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,253
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$1,830/mo
Today · 4.125%
HK$70,887
baseline
▲ 0.50% · 4.625%
HK$74,623
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,774/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,528
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,722
−HK$2,229/mo
Today · 4.125%
HK$74,951
baseline
▲ 0.50% · 4.625%
HK$79,512
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,902/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,462
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,134/mo
Today · 4.125%
HK$82,701
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,402/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,679
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,500
−HK$2,866/mo
Today · 4.125%
HK$96,366
baseline
▲ 0.50% · 4.625%
HK$102,230
+HK$5,864/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,732/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,880
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,586
−HK$2,744/mo
Today · 4.125%
HK$106,330
baseline
▲ 0.50% · 4.625%
HK$111,935
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,660/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,949 · Scale 2, in force from 26 Feb 2026)