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$50,473
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,043
−HK$1,595/mo
Today · 4.125%
HK$53,638
baseline
▲ 0.50% · 4.625%
HK$56,902
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,276/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,150
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,656
−HK$1,528/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,304
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,567
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,451
−HK$1,914/mo
Today · 4.125%
HK$64,365
baseline
▲ 0.50% · 4.625%
HK$68,282
+HK$3,917/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,730/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,380
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,188
−HK$1,833/mo
Today · 4.125%
HK$71,021
baseline
▲ 0.50% · 4.625%
HK$74,764
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,042/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,662
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,860
−HK$2,233/mo
Today · 4.125%
HK$75,093
baseline
▲ 0.50% · 4.625%
HK$79,662
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,186/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,611
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,719
−HK$2,139/mo
Today · 4.125%
HK$82,858
baseline
▲ 0.50% · 4.625%
HK$87,225
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,716/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,851
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,677
−HK$2,871/mo
Today · 4.125%
HK$96,548
baseline
▲ 0.50% · 4.625%
HK$102,423
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,096/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,071
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,781
−HK$2,750/mo
Today · 4.125%
HK$106,531
baseline
▲ 0.50% · 4.625%
HK$112,147
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,062/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,724 · Scale 2, in force from 26 Feb 2026)