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$50,470
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,595/mo
Today · 4.125%
HK$53,635
baseline
▲ 0.50% · 4.625%
HK$56,899
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,270/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,148
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,654
−HK$1,527/mo
Today · 4.125%
HK$59,181
baseline
▲ 0.50% · 4.625%
HK$62,301
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,362/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,564
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,914/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,917/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,184
−HK$1,833/mo
Today · 4.125%
HK$71,017
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$3,744/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,034/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,658
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,856
−HK$2,233/mo
Today · 4.125%
HK$75,089
baseline
▲ 0.50% · 4.625%
HK$79,658
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,178/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,607
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,715
−HK$2,139/mo
Today · 4.125%
HK$82,854
baseline
▲ 0.50% · 4.625%
HK$87,221
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,708/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,847
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,672
−HK$2,871/mo
Today · 4.125%
HK$96,543
baseline
▲ 0.50% · 4.625%
HK$102,418
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,086/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,066
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,776
−HK$2,750/mo
Today · 4.125%
HK$106,526
baseline
▲ 0.50% · 4.625%
HK$112,141
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,052/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,679 · Scale 2, in force from 26 Feb 2026)