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$50,575
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,148
−HK$1,599/mo
Today · 4.125%
HK$53,747
baseline
▲ 0.50% · 4.625%
HK$57,017
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,494/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,264
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,773
−HK$1,531/mo
Today · 4.125%
HK$59,304
baseline
▲ 0.50% · 4.625%
HK$62,430
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,608/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,690
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,578
−HK$1,918/mo
Today · 4.125%
HK$64,496
baseline
▲ 0.50% · 4.625%
HK$68,420
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,992/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,517
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,328
−HK$1,837/mo
Today · 4.125%
HK$71,165
baseline
▲ 0.50% · 4.625%
HK$74,916
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,330/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,805
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,008
−HK$2,237/mo
Today · 4.125%
HK$75,245
baseline
▲ 0.50% · 4.625%
HK$79,824
+HK$4,579/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,490/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,770
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,883
−HK$2,143/mo
Today · 4.125%
HK$83,026
baseline
▲ 0.50% · 4.625%
HK$87,402
+HK$4,376/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,052/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,035
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,867
−HK$2,877/mo
Today · 4.125%
HK$96,744
baseline
▲ 0.50% · 4.625%
HK$102,630
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,488/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,276
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,992
−HK$2,755/mo
Today · 4.125%
HK$106,747
baseline
▲ 0.50% · 4.625%
HK$112,374
+HK$5,627/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,494/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,632 · Scale 2, in force from 26 Feb 2026)