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$50,571
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,145
−HK$1,598/mo
Today · 4.125%
HK$53,743
baseline
▲ 0.50% · 4.625%
HK$57,013
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,486/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,260
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,769
−HK$1,531/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,426
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,686
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,573
−HK$1,918/mo
Today · 4.125%
HK$64,491
baseline
▲ 0.50% · 4.625%
HK$68,415
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,982/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,512
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,323
−HK$1,837/mo
Today · 4.125%
HK$71,160
baseline
▲ 0.50% · 4.625%
HK$74,911
+HK$3,751/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,320/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,800
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,002
−HK$2,238/mo
Today · 4.125%
HK$75,240
baseline
▲ 0.50% · 4.625%
HK$79,818
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,480/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,764
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,877
−HK$2,143/mo
Today · 4.125%
HK$83,020
baseline
▲ 0.50% · 4.625%
HK$87,396
+HK$4,376/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,040/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,029
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,860
−HK$2,877/mo
Today · 4.125%
HK$96,737
baseline
▲ 0.50% · 4.625%
HK$102,623
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,474/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,268
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$2,756/mo
Today · 4.125%
HK$106,740
baseline
▲ 0.50% · 4.625%
HK$112,366
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,480/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,564 · Scale 2, in force from 26 Feb 2026)