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$50,577
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,150
−HK$1,599/mo
Today · 4.125%
HK$53,749
baseline
▲ 0.50% · 4.625%
HK$57,019
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,498/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,267
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,776
−HK$1,530/mo
Today · 4.125%
HK$59,306
baseline
▲ 0.50% · 4.625%
HK$62,433
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,612/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,693
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,919/mo
Today · 4.125%
HK$64,499
baseline
▲ 0.50% · 4.625%
HK$68,423
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,998/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,520
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,331
−HK$1,837/mo
Today · 4.125%
HK$71,168
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,336/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,808
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,011
−HK$2,237/mo
Today · 4.125%
HK$75,248
baseline
▲ 0.50% · 4.625%
HK$79,827
+HK$4,579/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,496/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,773
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,886
−HK$2,143/mo
Today · 4.125%
HK$83,029
baseline
▲ 0.50% · 4.625%
HK$87,406
+HK$4,377/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,058/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,039
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,871
−HK$2,877/mo
Today · 4.125%
HK$96,748
baseline
▲ 0.50% · 4.625%
HK$102,635
+HK$5,887/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,496/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,280
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,996
−HK$2,756/mo
Today · 4.125%
HK$106,752
baseline
▲ 0.50% · 4.625%
HK$112,379
+HK$5,627/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,504/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,670 · Scale 2, in force from 26 Feb 2026)