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$50,497
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,595/mo
Today · 4.125%
HK$53,663
baseline
▲ 0.50% · 4.625%
HK$56,929
+HK$3,266/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,326/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,177
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,684
−HK$1,528/mo
Today · 4.125%
HK$59,212
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,424/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,596
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,915/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$68,315
+HK$3,919/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,413
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,221
−HK$1,834/mo
Today · 4.125%
HK$71,055
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,110/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,696
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,895
−HK$2,234/mo
Today · 4.125%
HK$75,129
baseline
▲ 0.50% · 4.625%
HK$79,700
+HK$4,571/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,258/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,648
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,757
−HK$2,140/mo
Today · 4.125%
HK$82,897
baseline
▲ 0.50% · 4.625%
HK$87,267
+HK$4,370/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,794/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,894
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,722
−HK$2,872/mo
Today · 4.125%
HK$96,594
baseline
▲ 0.50% · 4.625%
HK$102,472
+HK$5,878/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,188/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,119
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,831
−HK$2,751/mo
Today · 4.125%
HK$106,582
baseline
▲ 0.50% · 4.625%
HK$112,200
+HK$5,618/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,164/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,174 · Scale 2, in force from 26 Feb 2026)