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$50,524
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,096
−HK$1,597/mo
Today · 4.125%
HK$53,693
baseline
▲ 0.50% · 4.625%
HK$56,960
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,386/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,208
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,715
−HK$1,529/mo
Today · 4.125%
HK$59,244
baseline
▲ 0.50% · 4.625%
HK$62,367
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,488/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,629
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,515
−HK$1,916/mo
Today · 4.125%
HK$64,431
baseline
▲ 0.50% · 4.625%
HK$68,352
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,862/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,449
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,258
−HK$1,835/mo
Today · 4.125%
HK$71,093
baseline
▲ 0.50% · 4.625%
HK$74,841
+HK$3,748/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,186/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,734
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,934
−HK$2,236/mo
Today · 4.125%
HK$75,170
baseline
▲ 0.50% · 4.625%
HK$79,743
+HK$4,573/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,340/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,691
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,801
−HK$2,141/mo
Today · 4.125%
HK$82,942
baseline
▲ 0.50% · 4.625%
HK$87,314
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,884/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,944
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,773
−HK$2,874/mo
Today · 4.125%
HK$96,647
baseline
▲ 0.50% · 4.625%
HK$102,527
+HK$5,880/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,294/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,174
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,887
−HK$2,753/mo
Today · 4.125%
HK$106,640
baseline
▲ 0.50% · 4.625%
HK$112,261
+HK$5,621/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,280/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,684 · Scale 2, in force from 26 Feb 2026)