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$50,546
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,118
−HK$1,598/mo
Today · 4.125%
HK$53,716
baseline
▲ 0.50% · 4.625%
HK$56,984
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,432/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,232
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,740
−HK$1,530/mo
Today · 4.125%
HK$59,270
baseline
▲ 0.50% · 4.625%
HK$62,394
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,540/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,655
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,542
−HK$1,917/mo
Today · 4.125%
HK$64,459
baseline
▲ 0.50% · 4.625%
HK$68,381
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,918/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,478
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,288
−HK$1,836/mo
Today · 4.125%
HK$71,124
baseline
▲ 0.50% · 4.625%
HK$74,873
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,248/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,764
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,966
−HK$2,236/mo
Today · 4.125%
HK$75,202
baseline
▲ 0.50% · 4.625%
HK$79,778
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,404/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,725
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,836
−HK$2,142/mo
Today · 4.125%
HK$82,978
baseline
▲ 0.50% · 4.625%
HK$87,352
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,956/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,983
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,813
−HK$2,875/mo
Today · 4.125%
HK$96,688
baseline
▲ 0.50% · 4.625%
HK$102,571
+HK$5,883/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,376/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,217
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,932
−HK$2,754/mo
Today · 4.125%
HK$106,686
baseline
▲ 0.50% · 4.625%
HK$112,309
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,372/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,089 · Scale 2, in force from 26 Feb 2026)