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$50,356
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,922
−HK$1,591/mo
Today · 4.125%
HK$53,513
baseline
▲ 0.50% · 4.625%
HK$56,770
+HK$3,257/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$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,020
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,523
−HK$1,524/mo
Today · 4.125%
HK$59,047
baseline
▲ 0.50% · 4.625%
HK$62,159
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,094/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,427
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,306
−HK$1,910/mo
Today · 4.125%
HK$64,216
baseline
▲ 0.50% · 4.625%
HK$68,124
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,432/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,224
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,027
−HK$1,829/mo
Today · 4.125%
HK$70,856
baseline
▲ 0.50% · 4.625%
HK$74,591
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,712/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,498
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,691
−HK$2,228/mo
Today · 4.125%
HK$74,919
baseline
▲ 0.50% · 4.625%
HK$79,477
+HK$4,558/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,838/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,428
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,532
−HK$2,134/mo
Today · 4.125%
HK$82,666
baseline
▲ 0.50% · 4.625%
HK$87,023
+HK$4,357/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,332/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,640
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,460
−HK$2,864/mo
Today · 4.125%
HK$96,324
baseline
▲ 0.50% · 4.625%
HK$102,185
+HK$5,861/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,648/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,836
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,541
−HK$2,743/mo
Today · 4.125%
HK$106,284
baseline
▲ 0.50% · 4.625%
HK$111,887
+HK$5,603/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,568/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,543 · Scale 2, in force from 26 Feb 2026)