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$50,565
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,138
−HK$1,598/mo
Today · 4.125%
HK$53,736
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,472/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,254
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,762
−HK$1,531/mo
Today · 4.125%
HK$59,293
baseline
▲ 0.50% · 4.625%
HK$62,418
+HK$3,125/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,586/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,679
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,918/mo
Today · 4.125%
HK$64,484
baseline
▲ 0.50% · 4.625%
HK$68,407
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,968/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,315
−HK$1,836/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$74,902
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,792
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,994
−HK$2,237/mo
Today · 4.125%
HK$75,231
baseline
▲ 0.50% · 4.625%
HK$79,809
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,462/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,755
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,867
−HK$2,143/mo
Today · 4.125%
HK$83,010
baseline
▲ 0.50% · 4.625%
HK$87,385
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,020/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,018
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,849
−HK$2,876/mo
Today · 4.125%
HK$96,725
baseline
▲ 0.50% · 4.625%
HK$102,611
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,450/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,256
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,972
−HK$2,755/mo
Today · 4.125%
HK$106,727
baseline
▲ 0.50% · 4.625%
HK$112,353
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,454/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,453 · Scale 2, in force from 26 Feb 2026)