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$50,799
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,379
−HK$1,605/mo
Today · 4.125%
HK$53,984
baseline
▲ 0.50% · 4.625%
HK$57,269
+HK$3,285/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,968/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,513
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,029
−HK$1,538/mo
Today · 4.125%
HK$59,567
baseline
▲ 0.50% · 4.625%
HK$62,706
+HK$3,139/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,134/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,959
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,855
−HK$1,926/mo
Today · 4.125%
HK$64,781
baseline
▲ 0.50% · 4.625%
HK$68,723
+HK$3,942/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,562/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,816
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,635
−HK$1,845/mo
Today · 4.125%
HK$71,480
baseline
▲ 0.50% · 4.625%
HK$75,248
+HK$3,768/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$142,960/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,119
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,331
−HK$2,247/mo
Today · 4.125%
HK$75,578
baseline
▲ 0.50% · 4.625%
HK$80,177
+HK$4,599/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,156/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,119
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,241
−HK$2,152/mo
Today · 4.125%
HK$83,393
baseline
▲ 0.50% · 4.625%
HK$87,789
+HK$4,396/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,786/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,438
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,282
−HK$2,890/mo
Today · 4.125%
HK$97,172
baseline
▲ 0.50% · 4.625%
HK$103,085
+HK$5,913/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,344/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,724
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,452
−HK$2,768/mo
Today · 4.125%
HK$107,220
baseline
▲ 0.50% · 4.625%
HK$112,871
+HK$5,651/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,440/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,804 · Scale 2, in force from 26 Feb 2026)