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$50,584
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,158
−HK$1,599/mo
Today · 4.125%
HK$53,757
baseline
▲ 0.50% · 4.625%
HK$57,028
+HK$3,271/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,514/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,275
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,784
−HK$1,531/mo
Today · 4.125%
HK$59,315
baseline
▲ 0.50% · 4.625%
HK$62,442
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,630/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,701
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,590
−HK$1,918/mo
Today · 4.125%
HK$64,508
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,925/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,016/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,530
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,341
−HK$1,837/mo
Today · 4.125%
HK$71,178
baseline
▲ 0.50% · 4.625%
HK$74,930
+HK$3,752/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,356/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,818
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,021
−HK$2,238/mo
Today · 4.125%
HK$75,259
baseline
▲ 0.50% · 4.625%
HK$79,839
+HK$4,580/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,518/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,785
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,898
−HK$2,143/mo
Today · 4.125%
HK$83,041
baseline
▲ 0.50% · 4.625%
HK$87,418
+HK$4,377/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,082/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,052
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,884
−HK$2,878/mo
Today · 4.125%
HK$96,762
baseline
▲ 0.50% · 4.625%
HK$102,650
+HK$5,888/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,524/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,294
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,011
−HK$2,756/mo
Today · 4.125%
HK$106,767
baseline
▲ 0.50% · 4.625%
HK$112,395
+HK$5,628/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,534/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,807 · Scale 2, in force from 26 Feb 2026)