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$50,516
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,088
−HK$1,596/mo
Today · 4.125%
HK$53,684
baseline
▲ 0.50% · 4.625%
HK$56,951
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,368/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,199
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,706
−HK$1,529/mo
Today · 4.125%
HK$59,235
baseline
▲ 0.50% · 4.625%
HK$62,358
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,470/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,620
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,505
−HK$1,916/mo
Today · 4.125%
HK$64,421
baseline
▲ 0.50% · 4.625%
HK$68,341
+HK$3,920/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,842/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,439
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,247
−HK$1,835/mo
Today · 4.125%
HK$71,082
baseline
▲ 0.50% · 4.625%
HK$74,829
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,164/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,723
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,923
−HK$2,235/mo
Today · 4.125%
HK$75,158
baseline
▲ 0.50% · 4.625%
HK$79,731
+HK$4,573/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,316/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,679
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,789
−HK$2,140/mo
Today · 4.125%
HK$82,929
baseline
▲ 0.50% · 4.625%
HK$87,301
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,858/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,929
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,874/mo
Today · 4.125%
HK$96,632
baseline
▲ 0.50% · 4.625%
HK$102,511
+HK$5,879/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,264/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,158
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,871
−HK$2,752/mo
Today · 4.125%
HK$106,623
baseline
▲ 0.50% · 4.625%
HK$112,244
+HK$5,621/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,246/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,537 · Scale 2, in force from 26 Feb 2026)