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$50,364
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,592/mo
Today · 4.125%
HK$53,522
baseline
▲ 0.50% · 4.625%
HK$56,779
+HK$3,257/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,044/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,029
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,532
−HK$1,524/mo
Today · 4.125%
HK$59,056
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,113/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,112/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,436
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,316
−HK$1,910/mo
Today · 4.125%
HK$64,226
baseline
▲ 0.50% · 4.625%
HK$68,134
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,452/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,235
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,038
−HK$1,829/mo
Today · 4.125%
HK$70,867
baseline
▲ 0.50% · 4.625%
HK$74,603
+HK$3,736/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,734/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,509
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,702
−HK$2,229/mo
Today · 4.125%
HK$74,931
baseline
▲ 0.50% · 4.625%
HK$79,490
+HK$4,559/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,862/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,441
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,544
−HK$2,135/mo
Today · 4.125%
HK$82,679
baseline
▲ 0.50% · 4.625%
HK$87,037
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,358/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,655
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,475
−HK$2,864/mo
Today · 4.125%
HK$96,339
baseline
▲ 0.50% · 4.625%
HK$102,202
+HK$5,863/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,678/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,852
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,557
−HK$2,744/mo
Today · 4.125%
HK$106,301
baseline
▲ 0.50% · 4.625%
HK$111,904
+HK$5,603/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,602/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,692 · Scale 2, in force from 26 Feb 2026)