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$50,529
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,100
−HK$1,597/mo
Today · 4.125%
HK$53,697
baseline
▲ 0.50% · 4.625%
HK$56,965
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,394/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,213
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,720
−HK$1,530/mo
Today · 4.125%
HK$59,250
baseline
▲ 0.50% · 4.625%
HK$62,373
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,500/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,634
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,521
−HK$1,916/mo
Today · 4.125%
HK$64,437
baseline
▲ 0.50% · 4.625%
HK$68,358
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,874/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,455
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,264
−HK$1,836/mo
Today · 4.125%
HK$71,100
baseline
▲ 0.50% · 4.625%
HK$74,847
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,200/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,740
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,941
−HK$2,235/mo
Today · 4.125%
HK$75,176
baseline
▲ 0.50% · 4.625%
HK$79,751
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,352/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,698
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,808
−HK$2,142/mo
Today · 4.125%
HK$82,950
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,900/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,952
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,781
−HK$2,874/mo
Today · 4.125%
HK$96,655
baseline
▲ 0.50% · 4.625%
HK$102,536
+HK$5,881/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,310/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,183
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,897
−HK$2,752/mo
Today · 4.125%
HK$106,649
baseline
▲ 0.50% · 4.625%
HK$112,271
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,298/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,768 · Scale 2, in force from 26 Feb 2026)