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$50,475
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,045
−HK$1,595/mo
Today · 4.125%
HK$53,640
baseline
▲ 0.50% · 4.625%
HK$56,904
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,280/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,153
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,659
−HK$1,527/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,306
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,570
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,454
−HK$1,914/mo
Today · 4.125%
HK$64,368
baseline
▲ 0.50% · 4.625%
HK$68,285
+HK$3,917/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,736/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,383
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,190
−HK$1,834/mo
Today · 4.125%
HK$71,024
baseline
▲ 0.50% · 4.625%
HK$74,767
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,048/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,665
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,863
−HK$2,233/mo
Today · 4.125%
HK$75,096
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,192/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,614
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,722
−HK$2,139/mo
Today · 4.125%
HK$82,861
baseline
▲ 0.50% · 4.625%
HK$87,229
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,722/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,855
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,681
−HK$2,871/mo
Today · 4.125%
HK$96,552
baseline
▲ 0.50% · 4.625%
HK$102,427
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,104/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,075
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,786
−HK$2,750/mo
Today · 4.125%
HK$106,536
baseline
▲ 0.50% · 4.625%
HK$112,151
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,072/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,761 · Scale 2, in force from 26 Feb 2026)