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$50,544
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,116
−HK$1,597/mo
Today · 4.125%
HK$53,713
baseline
▲ 0.50% · 4.625%
HK$56,982
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,426/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,230
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,738
−HK$1,529/mo
Today · 4.125%
HK$59,267
baseline
▲ 0.50% · 4.625%
HK$62,392
+HK$3,125/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,534/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,653
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,539
−HK$1,917/mo
Today · 4.125%
HK$64,456
baseline
▲ 0.50% · 4.625%
HK$68,378
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,912/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,475
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,285
−HK$1,836/mo
Today · 4.125%
HK$71,121
baseline
▲ 0.50% · 4.625%
HK$74,870
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,242/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,761
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,963
−HK$2,236/mo
Today · 4.125%
HK$75,199
baseline
▲ 0.50% · 4.625%
HK$79,774
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,398/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,721
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,833
−HK$2,141/mo
Today · 4.125%
HK$82,974
baseline
▲ 0.50% · 4.625%
HK$87,348
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,948/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,979
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,809
−HK$2,875/mo
Today · 4.125%
HK$96,684
baseline
▲ 0.50% · 4.625%
HK$102,567
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,368/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,213
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,928
−HK$2,753/mo
Today · 4.125%
HK$106,681
baseline
▲ 0.50% · 4.625%
HK$112,305
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,362/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,050 · Scale 2, in force from 26 Feb 2026)