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$50,308
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,873
−HK$1,590/mo
Today · 4.125%
HK$53,463
baseline
▲ 0.50% · 4.625%
HK$56,716
+HK$3,253/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,926/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,967
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,468
−HK$1,523/mo
Today · 4.125%
HK$58,991
baseline
▲ 0.50% · 4.625%
HK$62,100
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,982/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,370
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,247
−HK$1,908/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$68,059
+HK$3,904/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,161
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,962
−HK$1,827/mo
Today · 4.125%
HK$70,789
baseline
▲ 0.50% · 4.625%
HK$74,520
+HK$3,731/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$141,578/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,431
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,622
−HK$2,226/mo
Today · 4.125%
HK$74,848
baseline
▲ 0.50% · 4.625%
HK$79,402
+HK$4,554/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,696/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,354
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,455
−HK$2,132/mo
Today · 4.125%
HK$82,587
baseline
▲ 0.50% · 4.625%
HK$86,940
+HK$4,353/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,174/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,554
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,371
−HK$2,862/mo
Today · 4.125%
HK$96,233
baseline
▲ 0.50% · 4.625%
HK$102,088
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$192,466/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,741
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,443
−HK$2,741/mo
Today · 4.125%
HK$106,184
baseline
▲ 0.50% · 4.625%
HK$111,781
+HK$5,597/mo
Deposit HK$2.21M · loan HK$19.86M · min. income ≈ HK$212,368/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,653 · Scale 2, in force from 26 Feb 2026)