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$50,299
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,863
−HK$1,590/mo
Today · 4.125%
HK$53,453
baseline
▲ 0.50% · 4.625%
HK$56,705
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,906/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,957
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,458
−HK$1,522/mo
Today · 4.125%
HK$58,980
baseline
▲ 0.50% · 4.625%
HK$62,089
+HK$3,109/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,960/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,358
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,236
−HK$1,907/mo
Today · 4.125%
HK$64,143
baseline
▲ 0.50% · 4.625%
HK$68,046
+HK$3,903/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$128,286/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,949
−HK$1,827/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$74,507
+HK$3,731/mo
Deposit HK$8.82M · loan HK$13.24M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,418
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,609
−HK$2,225/mo
Today · 4.125%
HK$74,834
baseline
▲ 0.50% · 4.625%
HK$79,387
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,668/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,339
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,441
−HK$2,131/mo
Today · 4.125%
HK$82,572
baseline
▲ 0.50% · 4.625%
HK$86,924
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,144/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,538
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,354
−HK$2,861/mo
Today · 4.125%
HK$96,215
baseline
▲ 0.50% · 4.625%
HK$102,070
+HK$5,855/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,430/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,722
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,424
−HK$2,740/mo
Today · 4.125%
HK$106,164
baseline
▲ 0.50% · 4.625%
HK$111,760
+HK$5,596/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,328/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,480 · Scale 2, in force from 26 Feb 2026)