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$50,277
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,840
−HK$1,589/mo
Today · 4.125%
HK$53,429
baseline
▲ 0.50% · 4.625%
HK$56,680
+HK$3,251/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,858/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,932
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,432
−HK$1,522/mo
Today · 4.125%
HK$58,954
baseline
▲ 0.50% · 4.625%
HK$62,062
+HK$3,108/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,908/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,332
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,906/mo
Today · 4.125%
HK$64,115
baseline
▲ 0.50% · 4.625%
HK$68,016
+HK$3,901/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$128,230/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,119
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,919
−HK$1,826/mo
Today · 4.125%
HK$70,745
baseline
▲ 0.50% · 4.625%
HK$74,474
+HK$3,729/mo
Deposit HK$8.82M · loan HK$13.23M · min. income ≈ HK$141,490/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,387
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,577
−HK$2,224/mo
Today · 4.125%
HK$74,801
baseline
▲ 0.50% · 4.625%
HK$79,353
+HK$4,552/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$149,602/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,305
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,405
−HK$2,131/mo
Today · 4.125%
HK$82,536
baseline
▲ 0.50% · 4.625%
HK$86,886
+HK$4,350/mo
Deposit HK$6.61M · loan HK$15.43M · min. income ≈ HK$165,072/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,498
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,313
−HK$2,860/mo
Today · 4.125%
HK$96,173
baseline
▲ 0.50% · 4.625%
HK$102,025
+HK$5,852/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$192,346/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,678
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,378
−HK$2,739/mo
Today · 4.125%
HK$106,117
baseline
▲ 0.50% · 4.625%
HK$111,711
+HK$5,594/mo
Deposit HK$2.20M · loan HK$19.84M · min. income ≈ HK$212,234/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$937,068 · Scale 2, in force from 26 Feb 2026)