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$50,477
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,047
−HK$1,595/mo
Today · 4.125%
HK$53,642
baseline
▲ 0.50% · 4.625%
HK$56,906
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,284/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,155
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,661
−HK$1,528/mo
Today · 4.125%
HK$59,189
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,378/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,572
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,456
−HK$1,915/mo
Today · 4.125%
HK$64,371
baseline
▲ 0.50% · 4.625%
HK$68,287
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,742/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,386
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,193
−HK$1,834/mo
Today · 4.125%
HK$71,027
baseline
▲ 0.50% · 4.625%
HK$74,771
+HK$3,744/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,054/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,668
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,866
−HK$2,233/mo
Today · 4.125%
HK$75,099
baseline
▲ 0.50% · 4.625%
HK$79,669
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,198/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,617
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,726
−HK$2,138/mo
Today · 4.125%
HK$82,864
baseline
▲ 0.50% · 4.625%
HK$87,232
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,728/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,858
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,685
−HK$2,871/mo
Today · 4.125%
HK$96,556
baseline
▲ 0.50% · 4.625%
HK$102,431
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,112/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,079
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,790
−HK$2,750/mo
Today · 4.125%
HK$106,540
baseline
▲ 0.50% · 4.625%
HK$112,156
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,080/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,802 · Scale 2, in force from 26 Feb 2026)