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$50,562
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,135
−HK$1,598/mo
Today · 4.125%
HK$53,733
baseline
▲ 0.50% · 4.625%
HK$57,003
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,466/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,250
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,759
−HK$1,530/mo
Today · 4.125%
HK$59,289
baseline
▲ 0.50% · 4.625%
HK$62,414
+HK$3,125/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,578/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,675
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,562
−HK$1,918/mo
Today · 4.125%
HK$64,480
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,960/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,500
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,310
−HK$1,837/mo
Today · 4.125%
HK$71,147
baseline
▲ 0.50% · 4.625%
HK$74,897
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,294/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,787
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,989
−HK$2,237/mo
Today · 4.125%
HK$75,226
baseline
▲ 0.50% · 4.625%
HK$79,804
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,452/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,750
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,862
−HK$2,143/mo
Today · 4.125%
HK$83,005
baseline
▲ 0.50% · 4.625%
HK$87,380
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,010/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,012
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,843
−HK$2,876/mo
Today · 4.125%
HK$96,719
baseline
▲ 0.50% · 4.625%
HK$102,605
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,438/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,250
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,966
−HK$2,754/mo
Today · 4.125%
HK$106,720
baseline
▲ 0.50% · 4.625%
HK$112,346
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,440/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,393 · Scale 2, in force from 26 Feb 2026)