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$50,481
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,052
−HK$1,595/mo
Today · 4.125%
HK$53,647
baseline
▲ 0.50% · 4.625%
HK$56,911
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,294/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,160
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,666
−HK$1,528/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,314
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,578
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,462
−HK$1,914/mo
Today · 4.125%
HK$64,376
baseline
▲ 0.50% · 4.625%
HK$68,293
+HK$3,917/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,752/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,392
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,199
−HK$1,834/mo
Today · 4.125%
HK$71,033
baseline
▲ 0.50% · 4.625%
HK$74,777
+HK$3,744/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,066/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,674
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,872
−HK$2,234/mo
Today · 4.125%
HK$75,106
baseline
▲ 0.50% · 4.625%
HK$79,676
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,212/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,624
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,732
−HK$2,140/mo
Today · 4.125%
HK$82,872
baseline
▲ 0.50% · 4.625%
HK$87,240
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,744/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,866
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,693
−HK$2,871/mo
Today · 4.125%
HK$96,564
baseline
▲ 0.50% · 4.625%
HK$102,440
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,128/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,088
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,799
−HK$2,750/mo
Today · 4.125%
HK$106,549
baseline
▲ 0.50% · 4.625%
HK$112,166
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,098/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,883 · Scale 2, in force from 26 Feb 2026)