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$50,479
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,049
−HK$1,595/mo
Today · 4.125%
HK$53,644
baseline
▲ 0.50% · 4.625%
HK$56,908
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,288/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,157
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,663
−HK$1,528/mo
Today · 4.125%
HK$59,191
baseline
▲ 0.50% · 4.625%
HK$62,311
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,382/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,575
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,459
−HK$1,914/mo
Today · 4.125%
HK$64,373
baseline
▲ 0.50% · 4.625%
HK$68,290
+HK$3,917/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,746/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,389
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,196
−HK$1,833/mo
Today · 4.125%
HK$71,029
baseline
▲ 0.50% · 4.625%
HK$74,773
+HK$3,744/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,058/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,670
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,868
−HK$2,234/mo
Today · 4.125%
HK$75,102
baseline
▲ 0.50% · 4.625%
HK$79,672
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,204/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,620
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,728
−HK$2,140/mo
Today · 4.125%
HK$82,868
baseline
▲ 0.50% · 4.625%
HK$87,236
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,736/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,862
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,688
−HK$2,872/mo
Today · 4.125%
HK$96,560
baseline
▲ 0.50% · 4.625%
HK$102,435
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,120/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,083
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,794
−HK$2,750/mo
Today · 4.125%
HK$106,544
baseline
▲ 0.50% · 4.625%
HK$112,160
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,088/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,836 · Scale 2, in force from 26 Feb 2026)