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$50,597
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,171
−HK$1,599/mo
Today · 4.125%
HK$53,770
baseline
▲ 0.50% · 4.625%
HK$57,042
+HK$3,272/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,540/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,289
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,799
−HK$1,531/mo
Today · 4.125%
HK$59,330
baseline
▲ 0.50% · 4.625%
HK$62,457
+HK$3,127/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,660/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,717
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,919/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$68,450
+HK$3,926/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,547
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,358
−HK$1,838/mo
Today · 4.125%
HK$71,196
baseline
▲ 0.50% · 4.625%
HK$74,949
+HK$3,753/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$142,392/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,836
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,040
−HK$2,238/mo
Today · 4.125%
HK$75,278
baseline
▲ 0.50% · 4.625%
HK$79,859
+HK$4,581/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,556/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,804
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,918
−HK$2,144/mo
Today · 4.125%
HK$83,062
baseline
▲ 0.50% · 4.625%
HK$87,440
+HK$4,378/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,124/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,075
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,908
−HK$2,878/mo
Today · 4.125%
HK$96,786
baseline
▲ 0.50% · 4.625%
HK$102,675
+HK$5,889/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,572/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,320
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,037
−HK$2,757/mo
Today · 4.125%
HK$106,794
baseline
▲ 0.50% · 4.625%
HK$112,423
+HK$5,629/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,588/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,045 · Scale 2, in force from 26 Feb 2026)