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$50,464
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,594/mo
Today · 4.125%
HK$53,628
baseline
▲ 0.50% · 4.625%
HK$56,891
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,256/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,140
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,528/mo
Today · 4.125%
HK$59,174
baseline
▲ 0.50% · 4.625%
HK$62,293
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,348/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,557
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,440
−HK$1,914/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$68,270
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,369
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,175
−HK$1,833/mo
Today · 4.125%
HK$71,008
baseline
▲ 0.50% · 4.625%
HK$74,751
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,016/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,649
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,847
−HK$2,233/mo
Today · 4.125%
HK$75,080
baseline
▲ 0.50% · 4.625%
HK$79,648
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,160/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,597
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,705
−HK$2,138/mo
Today · 4.125%
HK$82,843
baseline
▲ 0.50% · 4.625%
HK$87,210
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,686/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,835
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,660
−HK$2,871/mo
Today · 4.125%
HK$96,531
baseline
▲ 0.50% · 4.625%
HK$102,405
+HK$5,874/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,062/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,053
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,763
−HK$2,749/mo
Today · 4.125%
HK$106,512
baseline
▲ 0.50% · 4.625%
HK$112,127
+HK$5,615/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,024/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,558 · Scale 2, in force from 26 Feb 2026)