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$50,465
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,595/mo
Today · 4.125%
HK$53,629
baseline
▲ 0.50% · 4.625%
HK$56,892
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,258/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,141
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,647
−HK$1,528/mo
Today · 4.125%
HK$59,175
baseline
▲ 0.50% · 4.625%
HK$62,294
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,350/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,558
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,441
−HK$1,914/mo
Today · 4.125%
HK$64,355
baseline
▲ 0.50% · 4.625%
HK$68,271
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,710/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,370
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,177
−HK$1,832/mo
Today · 4.125%
HK$71,009
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,018/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,651
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,848
−HK$2,233/mo
Today · 4.125%
HK$75,081
baseline
▲ 0.50% · 4.625%
HK$79,649
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,162/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,598
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,706
−HK$2,138/mo
Today · 4.125%
HK$82,844
baseline
▲ 0.50% · 4.625%
HK$87,211
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,688/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,836
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,662
−HK$2,871/mo
Today · 4.125%
HK$96,533
baseline
▲ 0.50% · 4.625%
HK$102,406
+HK$5,873/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,066/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,055
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,765
−HK$2,749/mo
Today · 4.125%
HK$106,514
baseline
▲ 0.50% · 4.625%
HK$112,129
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,028/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,574 · Scale 2, in force from 26 Feb 2026)