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$50,491
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,061
−HK$1,596/mo
Today · 4.125%
HK$53,657
baseline
▲ 0.50% · 4.625%
HK$56,922
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,314/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,677
−HK$1,528/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,326
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,589
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,473
−HK$1,915/mo
Today · 4.125%
HK$64,388
baseline
▲ 0.50% · 4.625%
HK$68,306
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,776/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,404
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,212
−HK$1,834/mo
Today · 4.125%
HK$71,046
baseline
▲ 0.50% · 4.625%
HK$74,791
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,092/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,687
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,886
−HK$2,234/mo
Today · 4.125%
HK$75,120
baseline
▲ 0.50% · 4.625%
HK$79,690
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,240/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,638
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,747
−HK$2,140/mo
Today · 4.125%
HK$82,887
baseline
▲ 0.50% · 4.625%
HK$87,256
+HK$4,369/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,774/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,883
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,710
−HK$2,872/mo
Today · 4.125%
HK$96,582
baseline
▲ 0.50% · 4.625%
HK$102,459
+HK$5,877/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,164/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,107
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,818
−HK$2,751/mo
Today · 4.125%
HK$106,569
baseline
▲ 0.50% · 4.625%
HK$112,186
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,138/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,058 · Scale 2, in force from 26 Feb 2026)