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$50,592
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,166
−HK$1,598/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$57,036
+HK$3,272/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,283
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,792
−HK$1,532/mo
Today · 4.125%
HK$59,324
baseline
▲ 0.50% · 4.625%
HK$62,451
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,648/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,710
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,599
−HK$1,918/mo
Today · 4.125%
HK$64,517
baseline
▲ 0.50% · 4.625%
HK$68,443
+HK$3,926/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,034/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,540
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,351
−HK$1,837/mo
Today · 4.125%
HK$71,188
baseline
▲ 0.50% · 4.625%
HK$74,941
+HK$3,753/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,376/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,829
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,032
−HK$2,238/mo
Today · 4.125%
HK$75,270
baseline
▲ 0.50% · 4.625%
HK$79,850
+HK$4,580/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,540/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,796
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,909
−HK$2,144/mo
Today · 4.125%
HK$83,053
baseline
▲ 0.50% · 4.625%
HK$87,431
+HK$4,378/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,106/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,065
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,898
−HK$2,878/mo
Today · 4.125%
HK$96,776
baseline
▲ 0.50% · 4.625%
HK$102,665
+HK$5,889/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,552/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,309
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,026
−HK$2,757/mo
Today · 4.125%
HK$106,783
baseline
▲ 0.50% · 4.625%
HK$112,411
+HK$5,628/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,566/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,945 · Scale 2, in force from 26 Feb 2026)