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$50,527
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,099
−HK$1,597/mo
Today · 4.125%
HK$53,696
baseline
▲ 0.50% · 4.625%
HK$56,963
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,392/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,211
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,719
−HK$1,529/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,633
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,519
−HK$1,916/mo
Today · 4.125%
HK$64,435
baseline
▲ 0.50% · 4.625%
HK$68,356
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,870/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,454
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$1,835/mo
Today · 4.125%
HK$71,098
baseline
▲ 0.50% · 4.625%
HK$74,845
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,196/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,738
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,939
−HK$2,235/mo
Today · 4.125%
HK$75,174
baseline
▲ 0.50% · 4.625%
HK$79,749
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,348/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,696
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,806
−HK$2,141/mo
Today · 4.125%
HK$82,947
baseline
▲ 0.50% · 4.625%
HK$87,320
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,894/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,778
−HK$2,875/mo
Today · 4.125%
HK$96,653
baseline
▲ 0.50% · 4.625%
HK$102,534
+HK$5,881/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,306/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,180
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,894
−HK$2,753/mo
Today · 4.125%
HK$106,647
baseline
▲ 0.50% · 4.625%
HK$112,268
+HK$5,621/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,294/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,744 · Scale 2, in force from 26 Feb 2026)