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$50,487
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,058
−HK$1,595/mo
Today · 4.125%
HK$53,653
baseline
▲ 0.50% · 4.625%
HK$56,918
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,306/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,167
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,673
−HK$1,528/mo
Today · 4.125%
HK$59,201
baseline
▲ 0.50% · 4.625%
HK$62,322
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,402/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,585
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,469
−HK$1,915/mo
Today · 4.125%
HK$64,384
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,768/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,400
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,208
−HK$1,833/mo
Today · 4.125%
HK$71,041
baseline
▲ 0.50% · 4.625%
HK$74,786
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,082/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,682
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,881
−HK$2,234/mo
Today · 4.125%
HK$75,115
baseline
▲ 0.50% · 4.625%
HK$79,685
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,230/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,633
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,742
−HK$2,140/mo
Today · 4.125%
HK$82,882
baseline
▲ 0.50% · 4.625%
HK$87,250
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,764/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,877
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,704
−HK$2,872/mo
Today · 4.125%
HK$96,576
baseline
▲ 0.50% · 4.625%
HK$102,452
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,152/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,100
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,811
−HK$2,751/mo
Today · 4.125%
HK$106,562
baseline
▲ 0.50% · 4.625%
HK$112,179
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,124/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$940,995 · Scale 2, in force from 26 Feb 2026)