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$50,567
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,599/mo
Today · 4.125%
HK$53,738
baseline
▲ 0.50% · 4.625%
HK$57,007
+HK$3,269/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,476/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,255
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,764
−HK$1,530/mo
Today · 4.125%
HK$59,294
baseline
▲ 0.50% · 4.625%
HK$62,420
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,588/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,680
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,918/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$68,409
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,506
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,316
−HK$1,837/mo
Today · 4.125%
HK$71,153
baseline
▲ 0.50% · 4.625%
HK$74,903
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,306/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,793
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$72,995
−HK$2,238/mo
Today · 4.125%
HK$75,233
baseline
▲ 0.50% · 4.625%
HK$79,810
+HK$4,577/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,466/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,757
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,869
−HK$2,143/mo
Today · 4.125%
HK$83,012
baseline
▲ 0.50% · 4.625%
HK$87,387
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,024/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,020
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,851
−HK$2,877/mo
Today · 4.125%
HK$96,728
baseline
▲ 0.50% · 4.625%
HK$102,613
+HK$5,885/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,456/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,259
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,974
−HK$2,755/mo
Today · 4.125%
HK$106,729
baseline
▲ 0.50% · 4.625%
HK$112,355
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,458/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,473 · Scale 2, in force from 26 Feb 2026)