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$50,565
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,138
−HK$1,598/mo
Today · 4.125%
HK$53,736
baseline
▲ 0.50% · 4.625%
HK$57,006
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,472/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,253
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,762
−HK$1,530/mo
Today · 4.125%
HK$59,292
baseline
▲ 0.50% · 4.625%
HK$62,418
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,584/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,678
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,565
−HK$1,918/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$68,407
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,314
−HK$1,837/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,791
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,993
−HK$2,237/mo
Today · 4.125%
HK$75,230
baseline
▲ 0.50% · 4.625%
HK$79,808
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,460/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,754
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,866
−HK$2,143/mo
Today · 4.125%
HK$83,009
baseline
▲ 0.50% · 4.625%
HK$87,385
+HK$4,376/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,018/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,017
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,848
−HK$2,876/mo
Today · 4.125%
HK$96,724
baseline
▲ 0.50% · 4.625%
HK$102,610
+HK$5,886/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,448/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,255
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,971
−HK$2,755/mo
Today · 4.125%
HK$106,726
baseline
▲ 0.50% · 4.625%
HK$112,352
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,452/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,443 · Scale 2, in force from 26 Feb 2026)