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$50,538
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,110
−HK$1,597/mo
Today · 4.125%
HK$53,707
baseline
▲ 0.50% · 4.625%
HK$56,975
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,414/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,223
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,731
−HK$1,529/mo
Today · 4.125%
HK$59,260
baseline
▲ 0.50% · 4.625%
HK$62,384
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,520/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,645
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,532
−HK$1,916/mo
Today · 4.125%
HK$64,448
baseline
▲ 0.50% · 4.625%
HK$68,370
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,896/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,467
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,277
−HK$1,835/mo
Today · 4.125%
HK$71,112
baseline
▲ 0.50% · 4.625%
HK$74,861
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,224/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,954
−HK$2,236/mo
Today · 4.125%
HK$75,190
baseline
▲ 0.50% · 4.625%
HK$79,765
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,380/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,712
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,823
−HK$2,142/mo
Today · 4.125%
HK$82,965
baseline
▲ 0.50% · 4.625%
HK$87,338
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,930/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,968
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,798
−HK$2,875/mo
Today · 4.125%
HK$96,673
baseline
▲ 0.50% · 4.625%
HK$102,555
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,346/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,201
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,915
−HK$2,754/mo
Today · 4.125%
HK$106,669
baseline
▲ 0.50% · 4.625%
HK$112,291
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,338/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,938 · Scale 2, in force from 26 Feb 2026)