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$50,354
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,920
−HK$1,592/mo
Today · 4.125%
HK$53,512
baseline
▲ 0.50% · 4.625%
HK$56,768
+HK$3,256/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$107,024/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,018
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,521
−HK$1,524/mo
Today · 4.125%
HK$59,045
baseline
▲ 0.50% · 4.625%
HK$62,157
+HK$3,112/mo
Deposit HK$11.04M · loan HK$11.04M · min. income ≈ HK$118,090/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,425
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,304
−HK$1,910/mo
Today · 4.125%
HK$64,214
baseline
▲ 0.50% · 4.625%
HK$68,121
+HK$3,907/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$128,428/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,222
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,025
−HK$1,829/mo
Today · 4.125%
HK$70,854
baseline
▲ 0.50% · 4.625%
HK$74,589
+HK$3,735/mo
Deposit HK$8.83M · loan HK$13.25M · min. income ≈ HK$141,708/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,496
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,689
−HK$2,227/mo
Today · 4.125%
HK$74,916
baseline
▲ 0.50% · 4.625%
HK$79,475
+HK$4,559/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$149,832/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,426
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,529
−HK$2,134/mo
Today · 4.125%
HK$82,663
baseline
▲ 0.50% · 4.625%
HK$87,020
+HK$4,357/mo
Deposit HK$6.62M · loan HK$15.46M · min. income ≈ HK$165,326/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,637
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,457
−HK$2,864/mo
Today · 4.125%
HK$96,321
baseline
▲ 0.50% · 4.625%
HK$102,182
+HK$5,861/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$192,642/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,833
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,537
−HK$2,744/mo
Today · 4.125%
HK$106,281
baseline
▲ 0.50% · 4.625%
HK$111,883
+HK$5,602/mo
Deposit HK$2.21M · loan HK$19.87M · min. income ≈ HK$212,562/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,513 · Scale 2, in force from 26 Feb 2026)