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$50,564
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,597/mo
Today · 4.125%
HK$53,734
baseline
▲ 0.50% · 4.625%
HK$57,004
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,468/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,252
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,760
−HK$1,531/mo
Today · 4.125%
HK$59,291
baseline
▲ 0.50% · 4.625%
HK$62,416
+HK$3,125/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,582/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,676
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,564
−HK$1,917/mo
Today · 4.125%
HK$64,481
baseline
▲ 0.50% · 4.625%
HK$68,405
+HK$3,924/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,962/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,502
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,312
−HK$1,837/mo
Today · 4.125%
HK$71,149
baseline
▲ 0.50% · 4.625%
HK$74,899
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,298/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,789
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,991
−HK$2,237/mo
Today · 4.125%
HK$75,228
baseline
▲ 0.50% · 4.625%
HK$79,806
+HK$4,578/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,456/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,752
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,864
−HK$2,143/mo
Today · 4.125%
HK$83,007
baseline
▲ 0.50% · 4.625%
HK$87,382
+HK$4,375/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$166,014/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,015
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,846
−HK$2,876/mo
Today · 4.125%
HK$96,722
baseline
▲ 0.50% · 4.625%
HK$102,607
+HK$5,885/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,444/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,253
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,968
−HK$2,755/mo
Today · 4.125%
HK$106,723
baseline
▲ 0.50% · 4.625%
HK$112,349
+HK$5,626/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,446/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,420 · Scale 2, in force from 26 Feb 2026)