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$50,332
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,897
−HK$1,591/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,743
+HK$3,255/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,994
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,495
−HK$1,524/mo
Today · 4.125%
HK$59,019
baseline
▲ 0.50% · 4.625%
HK$62,130
+HK$3,111/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,038/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,398
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,277
−HK$1,909/mo
Today · 4.125%
HK$64,186
baseline
▲ 0.50% · 4.625%
HK$68,091
+HK$3,905/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$128,372/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,192
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$68,994
−HK$1,829/mo
Today · 4.125%
HK$70,823
baseline
▲ 0.50% · 4.625%
HK$74,556
+HK$3,733/mo
Deposit HK$8.83M · loan HK$13.24M · min. income ≈ HK$141,646/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,465
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$2,227/mo
Today · 4.125%
HK$74,883
baseline
▲ 0.50% · 4.625%
HK$79,440
+HK$4,557/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$149,766/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,391
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,132/mo
Today · 4.125%
HK$82,626
baseline
▲ 0.50% · 4.625%
HK$86,982
+HK$4,356/mo
Deposit HK$6.62M · loan HK$15.45M · min. income ≈ HK$165,252/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,597
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,415
−HK$2,864/mo
Today · 4.125%
HK$96,279
baseline
▲ 0.50% · 4.625%
HK$102,137
+HK$5,858/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,558/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,789
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,492
−HK$2,742/mo
Today · 4.125%
HK$106,234
baseline
▲ 0.50% · 4.625%
HK$111,834
+HK$5,600/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,468/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,098 · Scale 2, in force from 26 Feb 2026)