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$50,551
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,597/mo
Today · 4.125%
HK$53,720
baseline
▲ 0.50% · 4.625%
HK$56,989
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,440/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,237
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,745
−HK$1,530/mo
Today · 4.125%
HK$59,275
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,125/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,550/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,661
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,917/mo
Today · 4.125%
HK$64,465
baseline
▲ 0.50% · 4.625%
HK$68,387
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,930/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,484
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,294
−HK$1,836/mo
Today · 4.125%
HK$71,130
baseline
▲ 0.50% · 4.625%
HK$74,880
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,260/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,771
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,972
−HK$2,237/mo
Today · 4.125%
HK$75,209
baseline
▲ 0.50% · 4.625%
HK$79,785
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,418/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,732
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,843
−HK$2,142/mo
Today · 4.125%
HK$82,985
baseline
▲ 0.50% · 4.625%
HK$87,360
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,970/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,991
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,821
−HK$2,876/mo
Today · 4.125%
HK$96,697
baseline
▲ 0.50% · 4.625%
HK$102,581
+HK$5,884/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,394/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,227
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,941
−HK$2,754/mo
Today · 4.125%
HK$106,695
baseline
▲ 0.50% · 4.625%
HK$112,320
+HK$5,625/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,390/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,174 · Scale 2, in force from 26 Feb 2026)