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$50,467
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,037
−HK$1,595/mo
Today · 4.125%
HK$53,632
baseline
▲ 0.50% · 4.625%
HK$56,895
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,264/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,144
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,650
−HK$1,528/mo
Today · 4.125%
HK$59,178
baseline
▲ 0.50% · 4.625%
HK$62,297
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,356/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,561
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,445
−HK$1,914/mo
Today · 4.125%
HK$64,359
baseline
▲ 0.50% · 4.625%
HK$68,275
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,718/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,373
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,180
−HK$1,833/mo
Today · 4.125%
HK$71,013
baseline
▲ 0.50% · 4.625%
HK$74,756
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,026/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,654
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,852
−HK$2,233/mo
Today · 4.125%
HK$75,085
baseline
▲ 0.50% · 4.625%
HK$79,654
+HK$4,569/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,170/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,602
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,710
−HK$2,139/mo
Today · 4.125%
HK$82,849
baseline
▲ 0.50% · 4.625%
HK$87,216
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,698/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,841
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,667
−HK$2,871/mo
Today · 4.125%
HK$96,538
baseline
▲ 0.50% · 4.625%
HK$102,412
+HK$5,874/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,076/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,060
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,770
−HK$2,750/mo
Today · 4.125%
HK$106,520
baseline
▲ 0.50% · 4.625%
HK$112,135
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,040/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,624 · Scale 2, in force from 26 Feb 2026)