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$3,168/mo
▼ 0.25% · 3.875%
HK$52,098
−HK$1,597/mo
Today · 4.125%
HK$53,695
baseline
▲ 0.50% · 4.625%
HK$56,962
+HK$3,267/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,390/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,210
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,529/mo
Today · 4.125%
HK$59,247
baseline
▲ 0.50% · 4.625%
HK$62,370
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,494/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,632
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,518
−HK$1,916/mo
Today · 4.125%
HK$64,434
baseline
▲ 0.50% · 4.625%
HK$68,355
+HK$3,921/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$128,868/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,453
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,262
−HK$1,835/mo
Today · 4.125%
HK$71,097
baseline
▲ 0.50% · 4.625%
HK$74,844
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.30M · min. income ≈ HK$142,194/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,737
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,938
−HK$2,235/mo
Today · 4.125%
HK$75,173
baseline
▲ 0.50% · 4.625%
HK$79,747
+HK$4,574/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,346/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,695
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,805
−HK$2,141/mo
Today · 4.125%
HK$82,946
baseline
▲ 0.50% · 4.625%
HK$87,318
+HK$4,372/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,892/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,948
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,777
−HK$2,874/mo
Today · 4.125%
HK$96,651
baseline
▲ 0.50% · 4.625%
HK$102,532
+HK$5,881/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,302/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,179
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,892
−HK$2,753/mo
Today · 4.125%
HK$106,645
baseline
▲ 0.50% · 4.625%
HK$112,267
+HK$5,622/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,290/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,730 · Scale 2, in force from 26 Feb 2026)