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$50,531
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,103
−HK$1,596/mo
Today · 4.125%
HK$53,699
baseline
▲ 0.50% · 4.625%
HK$56,967
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,398/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,215
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,723
−HK$1,529/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,375
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,637
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,523
−HK$1,916/mo
Today · 4.125%
HK$64,439
baseline
▲ 0.50% · 4.625%
HK$68,360
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,878/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,458
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,267
−HK$1,835/mo
Today · 4.125%
HK$71,102
baseline
▲ 0.50% · 4.625%
HK$74,850
+HK$3,748/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,204/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,743
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,944
−HK$2,235/mo
Today · 4.125%
HK$75,179
baseline
▲ 0.50% · 4.625%
HK$79,754
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,358/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,701
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,812
−HK$2,141/mo
Today · 4.125%
HK$82,953
baseline
▲ 0.50% · 4.625%
HK$87,325
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,906/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,955
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,785
−HK$2,874/mo
Today · 4.125%
HK$96,659
baseline
▲ 0.50% · 4.625%
HK$102,540
+HK$5,881/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,318/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,187
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,901
−HK$2,753/mo
Today · 4.125%
HK$106,654
baseline
▲ 0.50% · 4.625%
HK$112,276
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,308/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,805 · Scale 2, in force from 26 Feb 2026)