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$50,599
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,173
−HK$1,599/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$57,044
+HK$3,272/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,291
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,800
−HK$1,532/mo
Today · 4.125%
HK$59,332
baseline
▲ 0.50% · 4.625%
HK$62,459
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,664/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,719
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,607
−HK$1,919/mo
Today · 4.125%
HK$64,526
baseline
▲ 0.50% · 4.625%
HK$68,452
+HK$3,926/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$129,052/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,549
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,360
−HK$1,838/mo
Today · 4.125%
HK$71,198
baseline
▲ 0.50% · 4.625%
HK$74,951
+HK$3,753/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$142,396/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,838
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,042
−HK$2,239/mo
Today · 4.125%
HK$75,281
baseline
▲ 0.50% · 4.625%
HK$79,861
+HK$4,580/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,562/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,807
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,921
−HK$2,144/mo
Today · 4.125%
HK$83,065
baseline
▲ 0.50% · 4.625%
HK$87,443
+HK$4,378/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,130/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,078
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,911
−HK$2,878/mo
Today · 4.125%
HK$96,789
baseline
▲ 0.50% · 4.625%
HK$102,679
+HK$5,890/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,578/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,323
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,041
−HK$2,756/mo
Today · 4.125%
HK$106,797
baseline
▲ 0.50% · 4.625%
HK$112,427
+HK$5,630/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,594/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,075 · Scale 2, in force from 26 Feb 2026)