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$50,554
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,598/mo
Today · 4.125%
HK$53,724
baseline
▲ 0.50% · 4.625%
HK$56,993
+HK$3,269/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,448/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,241
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,530/mo
Today · 4.125%
HK$59,279
baseline
▲ 0.50% · 4.625%
HK$62,404
+HK$3,125/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,558/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,665
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,552
−HK$1,917/mo
Today · 4.125%
HK$64,469
baseline
▲ 0.50% · 4.625%
HK$68,392
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,938/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$1,836/mo
Today · 4.125%
HK$71,135
baseline
▲ 0.50% · 4.625%
HK$74,885
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,270/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,775
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,977
−HK$2,237/mo
Today · 4.125%
HK$75,214
baseline
▲ 0.50% · 4.625%
HK$79,790
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,428/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,737
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,849
−HK$2,142/mo
Today · 4.125%
HK$82,991
baseline
▲ 0.50% · 4.625%
HK$87,365
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,982/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,997
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,827
−HK$2,876/mo
Today · 4.125%
HK$96,703
baseline
▲ 0.50% · 4.625%
HK$102,587
+HK$5,884/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,406/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,233
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,948
−HK$2,755/mo
Today · 4.125%
HK$106,703
baseline
▲ 0.50% · 4.625%
HK$112,327
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,406/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,236 · Scale 2, in force from 26 Feb 2026)