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$50,539
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,112
−HK$1,597/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,977
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,225
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,733
−HK$1,529/mo
Today · 4.125%
HK$59,262
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,524/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,647
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,534
−HK$1,916/mo
Today · 4.125%
HK$64,450
baseline
▲ 0.50% · 4.625%
HK$68,372
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,900/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,470
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,279
−HK$1,836/mo
Today · 4.125%
HK$71,115
baseline
▲ 0.50% · 4.625%
HK$74,863
+HK$3,748/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,230/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,755
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,956
−HK$2,236/mo
Today · 4.125%
HK$75,192
baseline
▲ 0.50% · 4.625%
HK$79,767
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,384/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,714
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,826
−HK$2,141/mo
Today · 4.125%
HK$82,967
baseline
▲ 0.50% · 4.625%
HK$87,341
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,934/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,971
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,801
−HK$2,875/mo
Today · 4.125%
HK$96,676
baseline
▲ 0.50% · 4.625%
HK$102,558
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,352/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,204
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,919
−HK$2,753/mo
Today · 4.125%
HK$106,672
baseline
▲ 0.50% · 4.625%
HK$112,295
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,344/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,968 · Scale 2, in force from 26 Feb 2026)