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$50,490
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,061
−HK$1,595/mo
Today · 4.125%
HK$53,656
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,312/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,529/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,325
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,588
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,473
−HK$1,915/mo
Today · 4.125%
HK$64,388
baseline
▲ 0.50% · 4.625%
HK$68,305
+HK$3,917/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$128,776/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,404
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,212
−HK$1,833/mo
Today · 4.125%
HK$71,045
baseline
▲ 0.50% · 4.625%
HK$74,790
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.29M · min. income ≈ HK$142,090/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,686
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,885
−HK$2,234/mo
Today · 4.125%
HK$75,119
baseline
▲ 0.50% · 4.625%
HK$79,690
+HK$4,571/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,238/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,638
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,747
−HK$2,139/mo
Today · 4.125%
HK$82,886
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$4,369/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,772/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,882
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,709
−HK$2,872/mo
Today · 4.125%
HK$96,581
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,877/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,162/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,106
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,817
−HK$2,751/mo
Today · 4.125%
HK$106,568
baseline
▲ 0.50% · 4.625%
HK$112,185
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,136/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,050 · Scale 2, in force from 26 Feb 2026)