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$50,463
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,033
−HK$1,595/mo
Today · 4.125%
HK$53,628
baseline
▲ 0.50% · 4.625%
HK$56,891
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,256/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,140
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,645
−HK$1,528/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,292
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,556
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,439
−HK$1,914/mo
Today · 4.125%
HK$64,353
baseline
▲ 0.50% · 4.625%
HK$68,269
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,706/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,368
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,175
−HK$1,832/mo
Today · 4.125%
HK$71,007
baseline
▲ 0.50% · 4.625%
HK$74,750
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,014/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,648
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,846
−HK$2,233/mo
Today · 4.125%
HK$75,079
baseline
▲ 0.50% · 4.625%
HK$79,647
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,158/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,596
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,704
−HK$2,138/mo
Today · 4.125%
HK$82,842
baseline
▲ 0.50% · 4.625%
HK$87,209
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,684/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,834
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,659
−HK$2,871/mo
Today · 4.125%
HK$96,530
baseline
▲ 0.50% · 4.625%
HK$102,403
+HK$5,873/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,060/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,052
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,762
−HK$2,749/mo
Today · 4.125%
HK$106,511
baseline
▲ 0.50% · 4.625%
HK$112,125
+HK$5,614/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,022/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,546 · Scale 2, in force from 26 Feb 2026)