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$50,480
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,050
−HK$1,596/mo
Today · 4.125%
HK$53,646
baseline
▲ 0.50% · 4.625%
HK$56,910
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,292/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,159
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,665
−HK$1,528/mo
Today · 4.125%
HK$59,193
baseline
▲ 0.50% · 4.625%
HK$62,313
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,386/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,576
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,461
−HK$1,914/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,917/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,390
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,198
−HK$1,833/mo
Today · 4.125%
HK$71,031
baseline
▲ 0.50% · 4.625%
HK$74,776
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,062/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,672
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,871
−HK$2,233/mo
Today · 4.125%
HK$75,104
baseline
▲ 0.50% · 4.625%
HK$79,674
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,208/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,622
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,731
−HK$2,139/mo
Today · 4.125%
HK$82,870
baseline
▲ 0.50% · 4.625%
HK$87,238
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,740/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,864
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,691
−HK$2,871/mo
Today · 4.125%
HK$96,562
baseline
▲ 0.50% · 4.625%
HK$102,438
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,124/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,086
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,797
−HK$2,750/mo
Today · 4.125%
HK$106,547
baseline
▲ 0.50% · 4.625%
HK$112,163
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,094/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,864 · Scale 2, in force from 26 Feb 2026)