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$50,570
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,143
−HK$1,598/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$57,011
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,259
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,768
−HK$1,530/mo
Today · 4.125%
HK$59,298
baseline
▲ 0.50% · 4.625%
HK$62,424
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,596/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,684
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,572
−HK$1,918/mo
Today · 4.125%
HK$64,490
baseline
▲ 0.50% · 4.625%
HK$68,414
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,980/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,511
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,321
−HK$1,837/mo
Today · 4.125%
HK$71,158
baseline
▲ 0.50% · 4.625%
HK$74,909
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,316/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,798
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,001
−HK$2,237/mo
Today · 4.125%
HK$75,238
baseline
▲ 0.50% · 4.625%
HK$79,816
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,476/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,762
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,875
−HK$2,143/mo
Today · 4.125%
HK$83,018
baseline
▲ 0.50% · 4.625%
HK$87,394
+HK$4,376/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,036/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,026
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,858
−HK$2,877/mo
Today · 4.125%
HK$96,735
baseline
▲ 0.50% · 4.625%
HK$102,621
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,470/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,266
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,982
−HK$2,755/mo
Today · 4.125%
HK$106,737
baseline
▲ 0.50% · 4.625%
HK$112,363
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,474/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,542 · Scale 2, in force from 26 Feb 2026)