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$50,547
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,119
−HK$1,597/mo
Today · 4.125%
HK$53,716
baseline
▲ 0.50% · 4.625%
HK$56,985
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,432/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,233
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,741
−HK$1,530/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,395
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,656
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,543
−HK$1,917/mo
Today · 4.125%
HK$64,460
baseline
▲ 0.50% · 4.625%
HK$68,382
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,920/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,289
−HK$1,836/mo
Today · 4.125%
HK$71,125
baseline
▲ 0.50% · 4.625%
HK$74,874
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,250/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,765
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,967
−HK$2,236/mo
Today · 4.125%
HK$75,203
baseline
▲ 0.50% · 4.625%
HK$79,779
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,406/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,726
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,837
−HK$2,142/mo
Today · 4.125%
HK$82,979
baseline
▲ 0.50% · 4.625%
HK$87,353
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,958/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,984
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,814
−HK$2,876/mo
Today · 4.125%
HK$96,690
baseline
▲ 0.50% · 4.625%
HK$102,573
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,380/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,219
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,934
−HK$2,754/mo
Today · 4.125%
HK$106,688
baseline
▲ 0.50% · 4.625%
HK$112,311
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,376/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,104 · Scale 2, in force from 26 Feb 2026)