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$50,583
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,598/mo
Today · 4.125%
HK$53,755
baseline
▲ 0.50% · 4.625%
HK$57,026
+HK$3,271/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,510/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,273
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,783
−HK$1,531/mo
Today · 4.125%
HK$59,314
baseline
▲ 0.50% · 4.625%
HK$62,440
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,628/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,700
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,588
−HK$1,918/mo
Today · 4.125%
HK$64,506
baseline
▲ 0.50% · 4.625%
HK$68,431
+HK$3,925/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,012/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,528
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,339
−HK$1,837/mo
Today · 4.125%
HK$71,176
baseline
▲ 0.50% · 4.625%
HK$74,928
+HK$3,752/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,352/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,817
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,019
−HK$2,238/mo
Today · 4.125%
HK$75,257
baseline
▲ 0.50% · 4.625%
HK$79,837
+HK$4,580/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,514/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,783
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,896
−HK$2,143/mo
Today · 4.125%
HK$83,039
baseline
▲ 0.50% · 4.625%
HK$87,416
+HK$4,377/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,078/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,050
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,882
−HK$2,878/mo
Today · 4.125%
HK$96,760
baseline
▲ 0.50% · 4.625%
HK$102,647
+HK$5,887/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,520/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,292
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,009
−HK$2,756/mo
Today · 4.125%
HK$106,765
baseline
▲ 0.50% · 4.625%
HK$112,392
+HK$5,627/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,530/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,785 · Scale 2, in force from 26 Feb 2026)