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$50,468
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,038
−HK$1,595/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,651
−HK$1,528/mo
Today · 4.125%
HK$59,179
baseline
▲ 0.50% · 4.625%
HK$62,298
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,358/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,562
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,914/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$68,276
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,375
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,182
−HK$1,833/mo
Today · 4.125%
HK$71,015
baseline
▲ 0.50% · 4.625%
HK$74,758
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,030/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,656
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$2,232/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,655
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,604
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,712
−HK$2,139/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,218
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,843
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,669
−HK$2,871/mo
Today · 4.125%
HK$96,540
baseline
▲ 0.50% · 4.625%
HK$102,414
+HK$5,874/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,080/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,062
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,772
−HK$2,750/mo
Today · 4.125%
HK$106,522
baseline
▲ 0.50% · 4.625%
HK$112,137
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,044/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,643 · Scale 2, in force from 26 Feb 2026)