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$3,159/mo
▼ 0.25% · 3.875%
HK$51,944
−HK$1,592/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,793
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,044
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,547
−HK$1,525/mo
Today · 4.125%
HK$59,072
baseline
▲ 0.50% · 4.625%
HK$62,185
+HK$3,113/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$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,452
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,910/mo
Today · 4.125%
HK$64,243
baseline
▲ 0.50% · 4.625%
HK$68,152
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,486/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,252
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,056
−HK$1,830/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$74,622
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,527
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,721
−HK$2,229/mo
Today · 4.125%
HK$74,950
baseline
▲ 0.50% · 4.625%
HK$79,511
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,900/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,461
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,565
−HK$2,135/mo
Today · 4.125%
HK$82,700
baseline
▲ 0.50% · 4.625%
HK$87,059
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,400/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,678
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,499
−HK$2,865/mo
Today · 4.125%
HK$96,364
baseline
▲ 0.50% · 4.625%
HK$102,228
+HK$5,864/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,728/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,879
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,584
−HK$2,745/mo
Today · 4.125%
HK$106,329
baseline
▲ 0.50% · 4.625%
HK$111,933
+HK$5,604/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,658/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,935 · Scale 2, in force from 26 Feb 2026)