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$50,501
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,072
−HK$1,596/mo
Today · 4.125%
HK$53,668
baseline
▲ 0.50% · 4.625%
HK$56,934
+HK$3,266/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,336/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,182
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,689
−HK$1,529/mo
Today · 4.125%
HK$59,218
baseline
▲ 0.50% · 4.625%
HK$62,339
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,436/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,602
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,487
−HK$1,915/mo
Today · 4.125%
HK$64,402
baseline
▲ 0.50% · 4.625%
HK$68,321
+HK$3,919/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,804/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,419
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,227
−HK$1,834/mo
Today · 4.125%
HK$71,061
baseline
▲ 0.50% · 4.625%
HK$74,807
+HK$3,746/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,122/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,702
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,901
−HK$2,235/mo
Today · 4.125%
HK$75,136
baseline
▲ 0.50% · 4.625%
HK$79,707
+HK$4,571/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,272/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,655
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,765
−HK$2,140/mo
Today · 4.125%
HK$82,905
baseline
▲ 0.50% · 4.625%
HK$87,275
+HK$4,370/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,810/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,903
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,730
−HK$2,873/mo
Today · 4.125%
HK$96,603
baseline
▲ 0.50% · 4.625%
HK$102,481
+HK$5,878/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,206/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,128
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,840
−HK$2,752/mo
Today · 4.125%
HK$106,592
baseline
▲ 0.50% · 4.625%
HK$112,210
+HK$5,618/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,184/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,258 · Scale 2, in force from 26 Feb 2026)