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$50,468
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,038
−HK$1,595/mo
Today · 4.125%
HK$53,633
baseline
▲ 0.50% · 4.625%
HK$56,896
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,266/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,145
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,651
−HK$1,527/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,298
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,562
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,445
−HK$1,914/mo
Today · 4.125%
HK$64,359
baseline
▲ 0.50% · 4.625%
HK$68,275
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,718/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,374
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,181
−HK$1,833/mo
Today · 4.125%
HK$71,014
baseline
▲ 0.50% · 4.625%
HK$74,757
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,028/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,655
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,853
−HK$2,233/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,655
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,603
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,711
−HK$2,139/mo
Today · 4.125%
HK$82,850
baseline
▲ 0.50% · 4.625%
HK$87,217
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,700/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,842
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,668
−HK$2,871/mo
Today · 4.125%
HK$96,539
baseline
▲ 0.50% · 4.625%
HK$102,413
+HK$5,874/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,078/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,061
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,772
−HK$2,749/mo
Today · 4.125%
HK$106,521
baseline
▲ 0.50% · 4.625%
HK$112,136
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,042/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,635 · Scale 2, in force from 26 Feb 2026)