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$50,556
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,128
−HK$1,598/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,995
+HK$3,269/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,751
−HK$1,531/mo
Today · 4.125%
HK$59,282
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,124/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,564/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,667
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,554
−HK$1,917/mo
Today · 4.125%
HK$64,471
baseline
▲ 0.50% · 4.625%
HK$68,394
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,942/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,492
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,302
−HK$1,836/mo
Today · 4.125%
HK$71,138
baseline
▲ 0.50% · 4.625%
HK$74,888
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,276/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,778
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,980
−HK$2,237/mo
Today · 4.125%
HK$75,217
baseline
▲ 0.50% · 4.625%
HK$79,793
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,434/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,740
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,852
−HK$2,142/mo
Today · 4.125%
HK$82,994
baseline
▲ 0.50% · 4.625%
HK$87,369
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,988/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,001
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,831
−HK$2,876/mo
Today · 4.125%
HK$96,707
baseline
▲ 0.50% · 4.625%
HK$102,592
+HK$5,885/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,414/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,237
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,952
−HK$2,755/mo
Today · 4.125%
HK$106,707
baseline
▲ 0.50% · 4.625%
HK$112,331
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,414/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,274 · Scale 2, in force from 26 Feb 2026)