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$50,547
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,120
−HK$1,597/mo
Today · 4.125%
HK$53,717
baseline
▲ 0.50% · 4.625%
HK$56,986
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,434/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,233
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,742
−HK$1,530/mo
Today · 4.125%
HK$59,272
baseline
▲ 0.50% · 4.625%
HK$62,396
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,544/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,544
−HK$1,917/mo
Today · 4.125%
HK$64,461
baseline
▲ 0.50% · 4.625%
HK$68,383
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,922/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,480
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$1,836/mo
Today · 4.125%
HK$71,126
baseline
▲ 0.50% · 4.625%
HK$74,875
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,252/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,766
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,968
−HK$2,236/mo
Today · 4.125%
HK$75,204
baseline
▲ 0.50% · 4.625%
HK$79,780
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,408/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,727
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,838
−HK$2,142/mo
Today · 4.125%
HK$82,980
baseline
▲ 0.50% · 4.625%
HK$87,354
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,960/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,985
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,815
−HK$2,876/mo
Today · 4.125%
HK$96,691
baseline
▲ 0.50% · 4.625%
HK$102,574
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,382/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,220
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,935
−HK$2,754/mo
Today · 4.125%
HK$106,689
baseline
▲ 0.50% · 4.625%
HK$112,312
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,378/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,115 · Scale 2, in force from 26 Feb 2026)