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$50,537
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,109
−HK$1,597/mo
Today · 4.125%
HK$53,706
baseline
▲ 0.50% · 4.625%
HK$56,974
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,412/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,222
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,729
−HK$1,530/mo
Today · 4.125%
HK$59,259
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,518/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,644
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,917/mo
Today · 4.125%
HK$64,447
baseline
▲ 0.50% · 4.625%
HK$68,368
+HK$3,921/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,894/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,466
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,275
−HK$1,836/mo
Today · 4.125%
HK$71,111
baseline
▲ 0.50% · 4.625%
HK$74,859
+HK$3,748/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,222/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,751
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,952
−HK$2,236/mo
Today · 4.125%
HK$75,188
baseline
▲ 0.50% · 4.625%
HK$79,763
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,376/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,710
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,821
−HK$2,142/mo
Today · 4.125%
HK$82,963
baseline
▲ 0.50% · 4.625%
HK$87,336
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,926/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,966
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,796
−HK$2,874/mo
Today · 4.125%
HK$96,670
baseline
▲ 0.50% · 4.625%
HK$102,553
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,340/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,199
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,913
−HK$2,753/mo
Today · 4.125%
HK$106,666
baseline
▲ 0.50% · 4.625%
HK$112,289
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,332/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,917 · Scale 2, in force from 26 Feb 2026)