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$50,536
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,108
−HK$1,597/mo
Today · 4.125%
HK$53,705
baseline
▲ 0.50% · 4.625%
HK$56,972
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,410/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,220
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,530/mo
Today · 4.125%
HK$59,258
baseline
▲ 0.50% · 4.625%
HK$62,381
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,516/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,529
−HK$1,917/mo
Today · 4.125%
HK$64,446
baseline
▲ 0.50% · 4.625%
HK$68,367
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,892/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,464
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$1,835/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$3,749/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$2,236/mo
Today · 4.125%
HK$75,187
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$4,574/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,374/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,709
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,819
−HK$2,142/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$87,334
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,964
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,794
−HK$2,874/mo
Today · 4.125%
HK$96,668
baseline
▲ 0.50% · 4.625%
HK$102,550
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,336/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,197
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,911
−HK$2,753/mo
Today · 4.125%
HK$106,664
baseline
▲ 0.50% · 4.625%
HK$112,286
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,328/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,897 · Scale 2, in force from 26 Feb 2026)