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$50,585
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,159
−HK$1,599/mo
Today · 4.125%
HK$53,758
baseline
▲ 0.50% · 4.625%
HK$57,029
+HK$3,271/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,516/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,276
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,785
−HK$1,531/mo
Today · 4.125%
HK$59,316
baseline
▲ 0.50% · 4.625%
HK$62,443
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,632/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,703
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,591
−HK$1,918/mo
Today · 4.125%
HK$64,509
baseline
▲ 0.50% · 4.625%
HK$68,434
+HK$3,925/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,018/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,531
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,342
−HK$1,838/mo
Today · 4.125%
HK$71,180
baseline
▲ 0.50% · 4.625%
HK$74,931
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,360/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,820
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,023
−HK$2,238/mo
Today · 4.125%
HK$75,261
baseline
▲ 0.50% · 4.625%
HK$79,840
+HK$4,579/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,522/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,786
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,899
−HK$2,144/mo
Today · 4.125%
HK$83,043
baseline
▲ 0.50% · 4.625%
HK$87,420
+HK$4,377/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,086/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,054
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,886
−HK$2,878/mo
Today · 4.125%
HK$96,764
baseline
▲ 0.50% · 4.625%
HK$102,652
+HK$5,888/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,528/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,297
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,013
−HK$2,756/mo
Today · 4.125%
HK$106,769
baseline
▲ 0.50% · 4.625%
HK$112,397
+HK$5,628/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,538/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,826 · Scale 2, in force from 26 Feb 2026)