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$50,574
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,147
−HK$1,598/mo
Today · 4.125%
HK$53,745
baseline
▲ 0.50% · 4.625%
HK$57,015
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,490/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,263
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,531/mo
Today · 4.125%
HK$59,302
baseline
▲ 0.50% · 4.625%
HK$62,428
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,604/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,688
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,918/mo
Today · 4.125%
HK$64,494
baseline
▲ 0.50% · 4.625%
HK$68,418
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,988/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,515
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$1,837/mo
Today · 4.125%
HK$71,163
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,326/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,803
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,005
−HK$2,238/mo
Today · 4.125%
HK$75,243
baseline
▲ 0.50% · 4.625%
HK$79,821
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,486/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,768
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,880
−HK$2,143/mo
Today · 4.125%
HK$83,023
baseline
▲ 0.50% · 4.625%
HK$87,399
+HK$4,376/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,046/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,032
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,864
−HK$2,877/mo
Today · 4.125%
HK$96,741
baseline
▲ 0.50% · 4.625%
HK$102,627
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,482/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,273
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,989
−HK$2,755/mo
Today · 4.125%
HK$106,744
baseline
▲ 0.50% · 4.625%
HK$112,371
+HK$5,627/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,488/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,603 · Scale 2, in force from 26 Feb 2026)