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$50,543
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,115
−HK$1,597/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,980
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,228
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,736
−HK$1,530/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,390
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,651
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,538
−HK$1,917/mo
Today · 4.125%
HK$64,455
baseline
▲ 0.50% · 4.625%
HK$68,376
+HK$3,921/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,910/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,474
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,283
−HK$1,836/mo
Today · 4.125%
HK$71,119
baseline
▲ 0.50% · 4.625%
HK$74,868
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,238/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,760
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,961
−HK$2,236/mo
Today · 4.125%
HK$75,197
baseline
▲ 0.50% · 4.625%
HK$79,773
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,394/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,719
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,141/mo
Today · 4.125%
HK$82,972
baseline
▲ 0.50% · 4.625%
HK$87,346
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,944/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,977
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,807
−HK$2,875/mo
Today · 4.125%
HK$96,682
baseline
▲ 0.50% · 4.625%
HK$102,565
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,364/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,211
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,925
−HK$2,754/mo
Today · 4.125%
HK$106,679
baseline
▲ 0.50% · 4.625%
HK$112,302
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,358/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,027 · Scale 2, in force from 26 Feb 2026)