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$50,229
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,792
−HK$1,587/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,627
+HK$3,248/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,879
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,378
−HK$1,520/mo
Today · 4.125%
HK$58,898
baseline
▲ 0.50% · 4.625%
HK$62,003
+HK$3,105/mo
Deposit HK$11.01M · loan HK$11.01M · min. income ≈ HK$117,796/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,275
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,150
−HK$1,905/mo
Today · 4.125%
HK$64,055
baseline
▲ 0.50% · 4.625%
HK$67,952
+HK$3,897/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,110/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,055
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,854
−HK$1,824/mo
Today · 4.125%
HK$70,678
baseline
▲ 0.50% · 4.625%
HK$74,404
+HK$3,726/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,356/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,321
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,508
−HK$2,223/mo
Today · 4.125%
HK$74,731
baseline
▲ 0.50% · 4.625%
HK$79,278
+HK$4,547/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,462/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,231
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,329
−HK$2,129/mo
Today · 4.125%
HK$82,458
baseline
▲ 0.50% · 4.625%
HK$86,804
+HK$4,346/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,916/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,412
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,225
−HK$2,857/mo
Today · 4.125%
HK$96,082
baseline
▲ 0.50% · 4.625%
HK$101,928
+HK$5,846/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,164/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,583
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,281
−HK$2,736/mo
Today · 4.125%
HK$106,017
baseline
▲ 0.50% · 4.625%
HK$111,605
+HK$5,588/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,034/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,184 · Scale 2, in force from 26 Feb 2026)