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$50,490
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,596/mo
Today · 4.125%
HK$53,656
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,312/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,169
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,528/mo
Today · 4.125%
HK$59,204
baseline
▲ 0.50% · 4.625%
HK$62,325
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,408/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,588
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,472
−HK$1,915/mo
Today · 4.125%
HK$64,387
baseline
▲ 0.50% · 4.625%
HK$68,305
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,774/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,403
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,211
−HK$1,834/mo
Today · 4.125%
HK$71,045
baseline
▲ 0.50% · 4.625%
HK$74,790
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,090/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,686
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,885
−HK$2,233/mo
Today · 4.125%
HK$75,118
baseline
▲ 0.50% · 4.625%
HK$79,689
+HK$4,571/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,236/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,637
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,746
−HK$2,140/mo
Today · 4.125%
HK$82,886
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$4,369/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,772/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,882
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,709
−HK$2,872/mo
Today · 4.125%
HK$96,581
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,877/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,162/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,105
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,817
−HK$2,750/mo
Today · 4.125%
HK$106,567
baseline
▲ 0.50% · 4.625%
HK$112,185
+HK$5,618/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,134/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,044 · Scale 2, in force from 26 Feb 2026)