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$50,355
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,921
−HK$1,592/mo
Today · 4.125%
HK$53,513
baseline
▲ 0.50% · 4.625%
HK$56,769
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,026/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,019
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,522
−HK$1,524/mo
Today · 4.125%
HK$59,046
baseline
▲ 0.50% · 4.625%
HK$62,158
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,092/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,426
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,306
−HK$1,909/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$68,123
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$1,829/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$74,590
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,497
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,690
−HK$2,228/mo
Today · 4.125%
HK$74,918
baseline
▲ 0.50% · 4.625%
HK$79,476
+HK$4,558/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$149,836/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,427
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,531
−HK$2,133/mo
Today · 4.125%
HK$82,664
baseline
▲ 0.50% · 4.625%
HK$87,022
+HK$4,358/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$165,328/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,639
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,458
−HK$2,865/mo
Today · 4.125%
HK$96,323
baseline
▲ 0.50% · 4.625%
HK$102,184
+HK$5,861/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,646/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,835
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,539
−HK$2,744/mo
Today · 4.125%
HK$106,283
baseline
▲ 0.50% · 4.625%
HK$111,885
+HK$5,602/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,566/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,530 · Scale 2, in force from 26 Feb 2026)