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$50,482
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,052
−HK$1,595/mo
Today · 4.125%
HK$53,647
baseline
▲ 0.50% · 4.625%
HK$56,912
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,294/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,160
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,667
−HK$1,528/mo
Today · 4.125%
HK$59,195
baseline
▲ 0.50% · 4.625%
HK$62,315
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,390/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,578
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,462
−HK$1,915/mo
Today · 4.125%
HK$64,377
baseline
▲ 0.50% · 4.625%
HK$68,294
+HK$3,917/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,754/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,393
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,200
−HK$1,834/mo
Today · 4.125%
HK$71,034
baseline
▲ 0.50% · 4.625%
HK$74,778
+HK$3,744/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,068/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,675
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,873
−HK$2,233/mo
Today · 4.125%
HK$75,106
baseline
▲ 0.50% · 4.625%
HK$79,676
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,212/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,625
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,733
−HK$2,140/mo
Today · 4.125%
HK$82,873
baseline
▲ 0.50% · 4.625%
HK$87,241
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,746/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,867
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,694
−HK$2,871/mo
Today · 4.125%
HK$96,565
baseline
▲ 0.50% · 4.625%
HK$102,441
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,130/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,089
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,800
−HK$2,750/mo
Today · 4.125%
HK$106,550
baseline
▲ 0.50% · 4.625%
HK$112,167
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,100/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,893 · Scale 2, in force from 26 Feb 2026)