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$50,498
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,069
−HK$1,596/mo
Today · 4.125%
HK$53,665
baseline
▲ 0.50% · 4.625%
HK$56,930
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,330/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,179
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,686
−HK$1,528/mo
Today · 4.125%
HK$59,214
baseline
▲ 0.50% · 4.625%
HK$62,335
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,428/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,598
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,483
−HK$1,915/mo
Today · 4.125%
HK$64,398
baseline
▲ 0.50% · 4.625%
HK$68,317
+HK$3,919/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,796/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,415
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,223
−HK$1,834/mo
Today · 4.125%
HK$71,057
baseline
▲ 0.50% · 4.625%
HK$74,802
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,114/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,698
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,897
−HK$2,234/mo
Today · 4.125%
HK$75,131
baseline
▲ 0.50% · 4.625%
HK$79,703
+HK$4,572/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,262/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,651
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,140/mo
Today · 4.125%
HK$82,900
baseline
▲ 0.50% · 4.625%
HK$87,270
+HK$4,370/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,800/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,897
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,724
−HK$2,873/mo
Today · 4.125%
HK$96,597
baseline
▲ 0.50% · 4.625%
HK$102,475
+HK$5,878/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,194/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,122
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,834
−HK$2,751/mo
Today · 4.125%
HK$106,585
baseline
▲ 0.50% · 4.625%
HK$112,204
+HK$5,619/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,170/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,202 · Scale 2, in force from 26 Feb 2026)