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$50,195
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,757
−HK$1,586/mo
Today · 4.125%
HK$53,343
baseline
▲ 0.50% · 4.625%
HK$56,589
+HK$3,246/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,686/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,842
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,339
−HK$1,520/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$61,961
+HK$3,102/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,234
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,108
−HK$1,904/mo
Today · 4.125%
HK$64,012
baseline
▲ 0.50% · 4.625%
HK$67,907
+HK$3,895/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$128,024/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,010
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,807
−HK$1,823/mo
Today · 4.125%
HK$70,630
baseline
▲ 0.50% · 4.625%
HK$74,353
+HK$3,723/mo
Deposit HK$8.81M · loan HK$13.21M · min. income ≈ HK$141,260/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,273
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,459
−HK$2,221/mo
Today · 4.125%
HK$74,680
baseline
▲ 0.50% · 4.625%
HK$79,224
+HK$4,544/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$149,360/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,178
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,275
−HK$2,127/mo
Today · 4.125%
HK$82,402
baseline
▲ 0.50% · 4.625%
HK$86,746
+HK$4,344/mo
Deposit HK$6.60M · loan HK$15.41M · min. income ≈ HK$164,804/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,352
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,162
−HK$2,855/mo
Today · 4.125%
HK$96,017
baseline
▲ 0.50% · 4.625%
HK$101,860
+HK$5,843/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$192,034/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,515
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,211
−HK$2,735/mo
Today · 4.125%
HK$105,946
baseline
▲ 0.50% · 4.625%
HK$111,530
+HK$5,584/mo
Deposit HK$2.20M · loan HK$19.81M · min. income ≈ HK$211,892/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$935,553 · Scale 2, in force from 26 Feb 2026)