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$50,363
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,591/mo
Today · 4.125%
HK$53,521
baseline
▲ 0.50% · 4.625%
HK$56,778
+HK$3,257/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,042/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,028
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,531
−HK$1,524/mo
Today · 4.125%
HK$59,055
baseline
▲ 0.50% · 4.625%
HK$62,168
+HK$3,113/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,110/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,436
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,910/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,908/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,037
−HK$1,829/mo
Today · 4.125%
HK$70,866
baseline
▲ 0.50% · 4.625%
HK$74,602
+HK$3,736/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,732/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,508
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,701
−HK$2,229/mo
Today · 4.125%
HK$74,930
baseline
▲ 0.50% · 4.625%
HK$79,489
+HK$4,559/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,860/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,440
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,543
−HK$2,134/mo
Today · 4.125%
HK$82,677
baseline
▲ 0.50% · 4.625%
HK$87,035
+HK$4,358/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,354/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,653
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,473
−HK$2,865/mo
Today · 4.125%
HK$96,338
baseline
▲ 0.50% · 4.625%
HK$102,200
+HK$5,862/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,676/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,851
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,556
−HK$2,744/mo
Today · 4.125%
HK$106,300
baseline
▲ 0.50% · 4.625%
HK$111,903
+HK$5,603/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,600/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,678 · Scale 2, in force from 26 Feb 2026)