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$50,535
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,107
−HK$1,597/mo
Today · 4.125%
HK$53,704
baseline
▲ 0.50% · 4.625%
HK$56,972
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,408/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,529/mo
Today · 4.125%
HK$59,257
baseline
▲ 0.50% · 4.625%
HK$62,381
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,514/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,642
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,528
−HK$1,917/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$68,366
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,890/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,464
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$1,836/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$3,748/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,749
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$2,236/mo
Today · 4.125%
HK$75,186
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,372/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,708
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,819
−HK$2,141/mo
Today · 4.125%
HK$82,960
baseline
▲ 0.50% · 4.625%
HK$87,333
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,920/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,963
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,793
−HK$2,874/mo
Today · 4.125%
HK$96,667
baseline
▲ 0.50% · 4.625%
HK$102,549
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,334/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,196
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,910
−HK$2,753/mo
Today · 4.125%
HK$106,663
baseline
▲ 0.50% · 4.625%
HK$112,285
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,326/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,885 · Scale 2, in force from 26 Feb 2026)