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$50,596
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,170
−HK$1,599/mo
Today · 4.125%
HK$53,769
baseline
▲ 0.50% · 4.625%
HK$57,041
+HK$3,272/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,538/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,288
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,532/mo
Today · 4.125%
HK$59,329
baseline
▲ 0.50% · 4.625%
HK$62,456
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,658/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,715
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,604
−HK$1,919/mo
Today · 4.125%
HK$64,523
baseline
▲ 0.50% · 4.625%
HK$68,449
+HK$3,926/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$129,046/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,545
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,357
−HK$1,838/mo
Today · 4.125%
HK$71,195
baseline
▲ 0.50% · 4.625%
HK$74,947
+HK$3,752/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$142,390/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,835
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,038
−HK$2,239/mo
Today · 4.125%
HK$75,277
baseline
▲ 0.50% · 4.625%
HK$79,857
+HK$4,580/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,554/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,803
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,916
−HK$2,144/mo
Today · 4.125%
HK$83,060
baseline
▲ 0.50% · 4.625%
HK$87,439
+HK$4,379/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,120/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,073
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,906
−HK$2,878/mo
Today · 4.125%
HK$96,784
baseline
▲ 0.50% · 4.625%
HK$102,673
+HK$5,889/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,568/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,318
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,035
−HK$2,757/mo
Today · 4.125%
HK$106,792
baseline
▲ 0.50% · 4.625%
HK$112,421
+HK$5,629/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,584/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,026 · Scale 2, in force from 26 Feb 2026)