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$50,507
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,078
−HK$1,596/mo
Today · 4.125%
HK$53,674
baseline
▲ 0.50% · 4.625%
HK$56,940
+HK$3,266/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,348/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,189
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,695
−HK$1,529/mo
Today · 4.125%
HK$59,224
baseline
▲ 0.50% · 4.625%
HK$62,346
+HK$3,122/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,448/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,608
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,494
−HK$1,915/mo
Today · 4.125%
HK$64,409
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,919/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,818/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,426
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,235
−HK$1,834/mo
Today · 4.125%
HK$71,069
baseline
▲ 0.50% · 4.625%
HK$74,815
+HK$3,746/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,138/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,710
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,909
−HK$2,235/mo
Today · 4.125%
HK$75,144
baseline
▲ 0.50% · 4.625%
HK$79,716
+HK$4,572/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,288/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,664
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,774
−HK$2,140/mo
Today · 4.125%
HK$82,914
baseline
▲ 0.50% · 4.625%
HK$87,284
+HK$4,370/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,828/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,913
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,741
−HK$2,873/mo
Today · 4.125%
HK$96,614
baseline
▲ 0.50% · 4.625%
HK$102,492
+HK$5,878/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,228/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,139
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,852
−HK$2,752/mo
Today · 4.125%
HK$106,604
baseline
▲ 0.50% · 4.625%
HK$112,223
+HK$5,619/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,208/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,363 · Scale 2, in force from 26 Feb 2026)