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$50,551
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,124
−HK$1,597/mo
Today · 4.125%
HK$53,721
baseline
▲ 0.50% · 4.625%
HK$56,990
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,442/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,238
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,746
−HK$1,530/mo
Today · 4.125%
HK$59,276
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,552/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,661
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,917/mo
Today · 4.125%
HK$64,465
baseline
▲ 0.50% · 4.625%
HK$68,388
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,930/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,485
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,295
−HK$1,836/mo
Today · 4.125%
HK$71,131
baseline
▲ 0.50% · 4.625%
HK$74,881
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,262/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,772
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,973
−HK$2,237/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,786
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,733
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,844
−HK$2,142/mo
Today · 4.125%
HK$82,986
baseline
▲ 0.50% · 4.625%
HK$87,361
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,972/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,992
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,822
−HK$2,876/mo
Today · 4.125%
HK$96,698
baseline
▲ 0.50% · 4.625%
HK$102,582
+HK$5,884/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,396/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,228
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,943
−HK$2,754/mo
Today · 4.125%
HK$106,697
baseline
▲ 0.50% · 4.625%
HK$112,321
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,394/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,185 · Scale 2, in force from 26 Feb 2026)