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$50,293
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,590/mo
Today · 4.125%
HK$53,447
baseline
▲ 0.50% · 4.625%
HK$56,699
+HK$3,252/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$106,894/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,950
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,451
−HK$1,522/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,108/mo
Deposit HK$11.03M · loan HK$11.03M · min. income ≈ HK$117,946/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,351
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,229
−HK$1,907/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,902/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,140
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$1,827/mo
Today · 4.125%
HK$70,768
baseline
▲ 0.50% · 4.625%
HK$74,498
+HK$3,730/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,536/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,410
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,600
−HK$2,225/mo
Today · 4.125%
HK$74,825
baseline
▲ 0.50% · 4.625%
HK$79,378
+HK$4,553/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$149,650/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,330
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,431
−HK$2,131/mo
Today · 4.125%
HK$82,562
baseline
▲ 0.50% · 4.625%
HK$86,914
+HK$4,352/mo
Deposit HK$6.62M · loan HK$15.44M · min. income ≈ HK$165,124/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,527
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,343
−HK$2,861/mo
Today · 4.125%
HK$96,204
baseline
▲ 0.50% · 4.625%
HK$102,057
+HK$5,853/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$192,408/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,710
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,411
−HK$2,740/mo
Today · 4.125%
HK$106,151
baseline
▲ 0.50% · 4.625%
HK$111,747
+HK$5,596/mo
Deposit HK$2.21M · loan HK$19.85M · min. income ≈ HK$212,302/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,369 · Scale 2, in force from 26 Feb 2026)