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$50,520
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,092
−HK$1,596/mo
Today · 4.125%
HK$53,688
baseline
▲ 0.50% · 4.625%
HK$56,955
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,376/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,203
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,710
−HK$1,530/mo
Today · 4.125%
HK$59,240
baseline
▲ 0.50% · 4.625%
HK$62,362
+HK$3,122/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,480/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,624
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,510
−HK$1,916/mo
Today · 4.125%
HK$64,426
baseline
▲ 0.50% · 4.625%
HK$68,346
+HK$3,920/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,852/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,444
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,253
−HK$1,835/mo
Today · 4.125%
HK$71,088
baseline
▲ 0.50% · 4.625%
HK$74,835
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,176/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,728
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,928
−HK$2,235/mo
Today · 4.125%
HK$75,163
baseline
▲ 0.50% · 4.625%
HK$79,737
+HK$4,574/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,326/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,684
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,795
−HK$2,140/mo
Today · 4.125%
HK$82,935
baseline
▲ 0.50% · 4.625%
HK$87,307
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,870/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,936
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,765
−HK$2,874/mo
Today · 4.125%
HK$96,639
baseline
▲ 0.50% · 4.625%
HK$102,519
+HK$5,880/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,278/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,166
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,879
−HK$2,752/mo
Today · 4.125%
HK$106,631
baseline
▲ 0.50% · 4.625%
HK$112,252
+HK$5,621/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,262/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,607 · Scale 2, in force from 26 Feb 2026)