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$50,483
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,053
−HK$1,596/mo
Today · 4.125%
HK$53,649
baseline
▲ 0.50% · 4.625%
HK$56,913
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,298/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,162
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,668
−HK$1,528/mo
Today · 4.125%
HK$59,196
baseline
▲ 0.50% · 4.625%
HK$62,316
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,392/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,579
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,464
−HK$1,914/mo
Today · 4.125%
HK$64,378
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,756/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,394
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,201
−HK$1,834/mo
Today · 4.125%
HK$71,035
baseline
▲ 0.50% · 4.625%
HK$74,779
+HK$3,744/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,070/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,676
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,874
−HK$2,234/mo
Today · 4.125%
HK$75,108
baseline
▲ 0.50% · 4.625%
HK$79,678
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,216/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,626
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,735
−HK$2,139/mo
Today · 4.125%
HK$82,874
baseline
▲ 0.50% · 4.625%
HK$87,243
+HK$4,369/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,748/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,869
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,696
−HK$2,871/mo
Today · 4.125%
HK$96,567
baseline
▲ 0.50% · 4.625%
HK$102,443
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,134/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,091
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,802
−HK$2,751/mo
Today · 4.125%
HK$106,553
baseline
▲ 0.50% · 4.625%
HK$112,169
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,106/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,912 · Scale 2, in force from 26 Feb 2026)