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$50,518
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,597/mo
Today · 4.125%
HK$53,686
baseline
▲ 0.50% · 4.625%
HK$56,952
+HK$3,266/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,372/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,201
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,708
−HK$1,529/mo
Today · 4.125%
HK$59,237
baseline
▲ 0.50% · 4.625%
HK$62,359
+HK$3,122/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,474/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,621
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,507
−HK$1,916/mo
Today · 4.125%
HK$64,423
baseline
▲ 0.50% · 4.625%
HK$68,343
+HK$3,920/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,846/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,441
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,249
−HK$1,835/mo
Today · 4.125%
HK$71,084
baseline
▲ 0.50% · 4.625%
HK$74,831
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,168/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,725
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,925
−HK$2,235/mo
Today · 4.125%
HK$75,160
baseline
▲ 0.50% · 4.625%
HK$79,733
+HK$4,573/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,320/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,681
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,791
−HK$2,141/mo
Today · 4.125%
HK$82,932
baseline
▲ 0.50% · 4.625%
HK$87,303
+HK$4,371/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,864/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,932
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,761
−HK$2,873/mo
Today · 4.125%
HK$96,634
baseline
▲ 0.50% · 4.625%
HK$102,514
+HK$5,880/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,268/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,161
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,874
−HK$2,752/mo
Today · 4.125%
HK$106,626
baseline
▲ 0.50% · 4.625%
HK$112,247
+HK$5,621/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,252/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,565 · Scale 2, in force from 26 Feb 2026)