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$50,746
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,604/mo
Today · 4.125%
HK$53,928
baseline
▲ 0.50% · 4.625%
HK$57,209
+HK$3,281/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,856/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,454
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,536/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,137/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,895
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,789
−HK$1,924/mo
Today · 4.125%
HK$64,713
baseline
▲ 0.50% · 4.625%
HK$68,651
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,426/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,745
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,562
−HK$1,843/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,169
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,044
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,254
−HK$2,245/mo
Today · 4.125%
HK$75,499
baseline
▲ 0.50% · 4.625%
HK$80,093
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$150,998/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,036
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,155
−HK$2,151/mo
Today · 4.125%
HK$83,306
baseline
▲ 0.50% · 4.625%
HK$87,697
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,612/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,342
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,184
−HK$2,886/mo
Today · 4.125%
HK$97,070
baseline
▲ 0.50% · 4.625%
HK$102,977
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,140/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,617
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,343
−HK$2,764/mo
Today · 4.125%
HK$107,107
baseline
▲ 0.50% · 4.625%
HK$112,753
+HK$5,646/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,214/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,812 · Scale 2, in force from 26 Feb 2026)