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$50,552
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,125
−HK$1,597/mo
Today · 4.125%
HK$53,722
baseline
▲ 0.50% · 4.625%
HK$56,991
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,444/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,239
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,747
−HK$1,530/mo
Today · 4.125%
HK$59,277
baseline
▲ 0.50% · 4.625%
HK$62,402
+HK$3,125/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,554/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,550
−HK$1,917/mo
Today · 4.125%
HK$64,467
baseline
▲ 0.50% · 4.625%
HK$68,389
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,934/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,487
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,297
−HK$1,836/mo
Today · 4.125%
HK$71,133
baseline
▲ 0.50% · 4.625%
HK$74,882
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,266/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,773
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,975
−HK$2,236/mo
Today · 4.125%
HK$75,211
baseline
▲ 0.50% · 4.625%
HK$79,788
+HK$4,577/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,422/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,734
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,846
−HK$2,142/mo
Today · 4.125%
HK$82,988
baseline
▲ 0.50% · 4.625%
HK$87,363
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,976/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,994
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,825
−HK$2,875/mo
Today · 4.125%
HK$96,700
baseline
▲ 0.50% · 4.625%
HK$102,584
+HK$5,884/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,400/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,230
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,945
−HK$2,754/mo
Today · 4.125%
HK$106,699
baseline
▲ 0.50% · 4.625%
HK$112,323
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,398/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,206 · Scale 2, in force from 26 Feb 2026)