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$50,512
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,083
−HK$1,597/mo
Today · 4.125%
HK$53,680
baseline
▲ 0.50% · 4.625%
HK$56,946
+HK$3,266/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,360/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,194
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,701
−HK$1,529/mo
Today · 4.125%
HK$59,230
baseline
▲ 0.50% · 4.625%
HK$62,353
+HK$3,123/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,460/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,615
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,500
−HK$1,916/mo
Today · 4.125%
HK$64,416
baseline
▲ 0.50% · 4.625%
HK$68,335
+HK$3,919/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,832/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,433
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,242
−HK$1,834/mo
Today · 4.125%
HK$71,076
baseline
▲ 0.50% · 4.625%
HK$74,823
+HK$3,747/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,152/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,717
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,917
−HK$2,235/mo
Today · 4.125%
HK$75,152
baseline
▲ 0.50% · 4.625%
HK$79,725
+HK$4,573/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,304/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,672
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,782
−HK$2,141/mo
Today · 4.125%
HK$82,923
baseline
▲ 0.50% · 4.625%
HK$87,294
+HK$4,371/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,846/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,922
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,750
−HK$2,874/mo
Today · 4.125%
HK$96,624
baseline
▲ 0.50% · 4.625%
HK$102,503
+HK$5,879/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$193,248/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,150
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,863
−HK$2,752/mo
Today · 4.125%
HK$106,615
baseline
▲ 0.50% · 4.625%
HK$112,235
+HK$5,620/mo
Deposit HK$2.22M · loan HK$19.94M · min. income ≈ HK$213,230/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,461 · Scale 2, in force from 26 Feb 2026)