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$50,466
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,594/mo
Today · 4.125%
HK$53,630
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,260/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,648
−HK$1,528/mo
Today · 4.125%
HK$59,176
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,352/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,559
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,443
−HK$1,914/mo
Today · 4.125%
HK$64,357
baseline
▲ 0.50% · 4.625%
HK$68,272
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,714/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,371
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,178
−HK$1,833/mo
Today · 4.125%
HK$71,011
baseline
▲ 0.50% · 4.625%
HK$74,754
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,022/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,652
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,850
−HK$2,233/mo
Today · 4.125%
HK$75,083
baseline
▲ 0.50% · 4.625%
HK$79,651
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,166/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,600
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,708
−HK$2,138/mo
Today · 4.125%
HK$82,846
baseline
▲ 0.50% · 4.625%
HK$87,213
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,692/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,838
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,664
−HK$2,871/mo
Today · 4.125%
HK$96,535
baseline
▲ 0.50% · 4.625%
HK$102,409
+HK$5,874/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,070/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,057
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,767
−HK$2,750/mo
Today · 4.125%
HK$106,517
baseline
▲ 0.50% · 4.625%
HK$112,131
+HK$5,614/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,034/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,595 · Scale 2, in force from 26 Feb 2026)