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$50,485
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,056
−HK$1,595/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,916
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,165
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,671
−HK$1,528/mo
Today · 4.125%
HK$59,199
baseline
▲ 0.50% · 4.625%
HK$62,319
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,398/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,583
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,467
−HK$1,915/mo
Today · 4.125%
HK$64,382
baseline
▲ 0.50% · 4.625%
HK$68,299
+HK$3,917/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,764/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,397
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$1,834/mo
Today · 4.125%
HK$71,039
baseline
▲ 0.50% · 4.625%
HK$74,783
+HK$3,744/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,078/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,680
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,878
−HK$2,234/mo
Today · 4.125%
HK$75,112
baseline
▲ 0.50% · 4.625%
HK$79,682
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,224/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,630
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,739
−HK$2,140/mo
Today · 4.125%
HK$82,879
baseline
▲ 0.50% · 4.625%
HK$87,247
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,758/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,874
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,701
−HK$2,871/mo
Today · 4.125%
HK$96,572
baseline
▲ 0.50% · 4.625%
HK$102,449
+HK$5,877/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,144/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,096
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,808
−HK$2,750/mo
Today · 4.125%
HK$106,558
baseline
▲ 0.50% · 4.625%
HK$112,175
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,116/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,961 · Scale 2, in force from 26 Feb 2026)