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$50,582
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,155
−HK$1,599/mo
Today · 4.125%
HK$53,754
baseline
▲ 0.50% · 4.625%
HK$57,025
+HK$3,271/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,508/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,272
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,781
−HK$1,531/mo
Today · 4.125%
HK$59,312
baseline
▲ 0.50% · 4.625%
HK$62,438
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,624/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,698
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,586
−HK$1,919/mo
Today · 4.125%
HK$64,505
baseline
▲ 0.50% · 4.625%
HK$68,429
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,010/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,526
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,337
−HK$1,837/mo
Today · 4.125%
HK$71,174
baseline
▲ 0.50% · 4.625%
HK$74,926
+HK$3,752/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,348/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,815
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,017
−HK$2,238/mo
Today · 4.125%
HK$75,255
baseline
▲ 0.50% · 4.625%
HK$79,834
+HK$4,579/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,510/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,780
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,893
−HK$2,144/mo
Today · 4.125%
HK$83,037
baseline
▲ 0.50% · 4.625%
HK$87,414
+HK$4,377/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,074/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,047
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,879
−HK$2,878/mo
Today · 4.125%
HK$96,757
baseline
▲ 0.50% · 4.625%
HK$102,644
+HK$5,887/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,514/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,289
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,006
−HK$2,756/mo
Today · 4.125%
HK$106,762
baseline
▲ 0.50% · 4.625%
HK$112,389
+HK$5,627/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,524/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,757 · Scale 2, in force from 26 Feb 2026)