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$50,469
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,595/mo
Today · 4.125%
HK$53,634
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,268/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,527/mo
Today · 4.125%
HK$59,179
baseline
▲ 0.50% · 4.625%
HK$62,299
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,358/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,563
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,914/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$68,276
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,375
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,182
−HK$1,833/mo
Today · 4.125%
HK$71,015
baseline
▲ 0.50% · 4.625%
HK$74,759
+HK$3,744/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,030/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,656
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$2,233/mo
Today · 4.125%
HK$75,087
baseline
▲ 0.50% · 4.625%
HK$79,656
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,174/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,604
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,713
−HK$2,138/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,218
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,844
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,670
−HK$2,870/mo
Today · 4.125%
HK$96,540
baseline
▲ 0.50% · 4.625%
HK$102,415
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,080/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,063
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,773
−HK$2,750/mo
Today · 4.125%
HK$106,523
baseline
▲ 0.50% · 4.625%
HK$112,138
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,046/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,650 · Scale 2, in force from 26 Feb 2026)