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$50,580
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,599/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$57,022
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,779
−HK$1,530/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,436
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,696
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,584
−HK$1,918/mo
Today · 4.125%
HK$64,502
baseline
▲ 0.50% · 4.625%
HK$68,427
+HK$3,925/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,004/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,523
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,334
−HK$1,837/mo
Today · 4.125%
HK$71,171
baseline
▲ 0.50% · 4.625%
HK$74,923
+HK$3,752/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,342/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,812
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,014
−HK$2,238/mo
Today · 4.125%
HK$75,252
baseline
▲ 0.50% · 4.625%
HK$79,831
+HK$4,579/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,504/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,777
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,890
−HK$2,143/mo
Today · 4.125%
HK$83,033
baseline
▲ 0.50% · 4.625%
HK$87,410
+HK$4,377/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,066/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,043
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,875
−HK$2,878/mo
Today · 4.125%
HK$96,753
baseline
▲ 0.50% · 4.625%
HK$102,640
+HK$5,887/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,506/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,285
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,001
−HK$2,756/mo
Today · 4.125%
HK$106,757
baseline
▲ 0.50% · 4.625%
HK$112,384
+HK$5,627/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,514/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,718 · Scale 2, in force from 26 Feb 2026)