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$50,534
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,106
−HK$1,597/mo
Today · 4.125%
HK$53,703
baseline
▲ 0.50% · 4.625%
HK$56,971
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,406/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,219
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,529/mo
Today · 4.125%
HK$59,256
baseline
▲ 0.50% · 4.625%
HK$62,380
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,512/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,641
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,527
−HK$1,917/mo
Today · 4.125%
HK$64,444
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,888/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,463
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,272
−HK$1,835/mo
Today · 4.125%
HK$71,107
baseline
▲ 0.50% · 4.625%
HK$74,856
+HK$3,749/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,214/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,748
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,949
−HK$2,235/mo
Today · 4.125%
HK$75,184
baseline
▲ 0.50% · 4.625%
HK$79,759
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,368/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,706
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,817
−HK$2,142/mo
Today · 4.125%
HK$82,959
baseline
▲ 0.50% · 4.625%
HK$87,331
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,918/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,962
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,791
−HK$2,875/mo
Today · 4.125%
HK$96,666
baseline
▲ 0.50% · 4.625%
HK$102,548
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,332/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,194
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,908
−HK$2,753/mo
Today · 4.125%
HK$106,661
baseline
▲ 0.50% · 4.625%
HK$112,283
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,322/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,870 · Scale 2, in force from 26 Feb 2026)