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$50,532
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,597/mo
Today · 4.125%
HK$53,701
baseline
▲ 0.50% · 4.625%
HK$56,968
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,402/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,216
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,724
−HK$1,529/mo
Today · 4.125%
HK$59,253
baseline
▲ 0.50% · 4.625%
HK$62,377
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,506/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,638
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,524
−HK$1,917/mo
Today · 4.125%
HK$64,441
baseline
▲ 0.50% · 4.625%
HK$68,362
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,882/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,459
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$1,835/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$74,852
+HK$3,748/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,745
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,945
−HK$2,236/mo
Today · 4.125%
HK$75,181
baseline
▲ 0.50% · 4.625%
HK$79,756
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,362/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,703
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,814
−HK$2,141/mo
Today · 4.125%
HK$82,955
baseline
▲ 0.50% · 4.625%
HK$87,327
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,910/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,957
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,787
−HK$2,874/mo
Today · 4.125%
HK$96,661
baseline
▲ 0.50% · 4.625%
HK$102,543
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,322/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,189
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,903
−HK$2,753/mo
Today · 4.125%
HK$106,656
baseline
▲ 0.50% · 4.625%
HK$112,278
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,312/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,827 · Scale 2, in force from 26 Feb 2026)