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$50,545
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,117
−HK$1,598/mo
Today · 4.125%
HK$53,715
baseline
▲ 0.50% · 4.625%
HK$56,983
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,430/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,231
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,739
−HK$1,530/mo
Today · 4.125%
HK$59,269
baseline
▲ 0.50% · 4.625%
HK$62,393
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,538/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,654
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,541
−HK$1,917/mo
Today · 4.125%
HK$64,458
baseline
▲ 0.50% · 4.625%
HK$68,380
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,916/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,477
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,287
−HK$1,836/mo
Today · 4.125%
HK$71,123
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,246/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,763
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,964
−HK$2,237/mo
Today · 4.125%
HK$75,201
baseline
▲ 0.50% · 4.625%
HK$79,776
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,402/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,723
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,835
−HK$2,142/mo
Today · 4.125%
HK$82,977
baseline
▲ 0.50% · 4.625%
HK$87,350
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,954/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,981
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,811
−HK$2,876/mo
Today · 4.125%
HK$96,687
baseline
▲ 0.50% · 4.625%
HK$102,570
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,374/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,216
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,930
−HK$2,754/mo
Today · 4.125%
HK$106,684
baseline
▲ 0.50% · 4.625%
HK$112,308
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,368/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,074 · Scale 2, in force from 26 Feb 2026)