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$50,472
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,042
−HK$1,595/mo
Today · 4.125%
HK$53,637
baseline
▲ 0.50% · 4.625%
HK$56,900
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,274/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,149
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,655
−HK$1,528/mo
Today · 4.125%
HK$59,183
baseline
▲ 0.50% · 4.625%
HK$62,302
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,366/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,566
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,450
−HK$1,914/mo
Today · 4.125%
HK$64,364
baseline
▲ 0.50% · 4.625%
HK$68,280
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,728/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,379
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,186
−HK$1,833/mo
Today · 4.125%
HK$71,019
baseline
▲ 0.50% · 4.625%
HK$74,763
+HK$3,744/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,038/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,660
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$2,233/mo
Today · 4.125%
HK$75,091
baseline
▲ 0.50% · 4.625%
HK$79,661
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,182/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,609
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,717
−HK$2,139/mo
Today · 4.125%
HK$82,856
baseline
▲ 0.50% · 4.625%
HK$87,223
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,712/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,849
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,675
−HK$2,871/mo
Today · 4.125%
HK$96,546
baseline
▲ 0.50% · 4.625%
HK$102,421
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,092/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,069
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,779
−HK$2,750/mo
Today · 4.125%
HK$106,529
baseline
▲ 0.50% · 4.625%
HK$112,144
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,058/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,705 · Scale 2, in force from 26 Feb 2026)