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$50,553
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,597/mo
Today · 4.125%
HK$53,723
baseline
▲ 0.50% · 4.625%
HK$56,992
+HK$3,269/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,446/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,240
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,530/mo
Today · 4.125%
HK$59,278
baseline
▲ 0.50% · 4.625%
HK$62,403
+HK$3,125/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,556/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,664
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,551
−HK$1,917/mo
Today · 4.125%
HK$64,468
baseline
▲ 0.50% · 4.625%
HK$68,391
+HK$3,923/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,936/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,488
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,298
−HK$1,836/mo
Today · 4.125%
HK$71,134
baseline
▲ 0.50% · 4.625%
HK$74,884
+HK$3,750/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,268/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,774
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,976
−HK$2,237/mo
Today · 4.125%
HK$75,213
baseline
▲ 0.50% · 4.625%
HK$79,789
+HK$4,576/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$150,426/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,736
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,848
−HK$2,142/mo
Today · 4.125%
HK$82,990
baseline
▲ 0.50% · 4.625%
HK$87,364
+HK$4,374/mo
Deposit HK$6.65M · loan HK$15.52M · min. income ≈ HK$165,980/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,996
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,826
−HK$2,876/mo
Today · 4.125%
HK$96,702
baseline
▲ 0.50% · 4.625%
HK$102,586
+HK$5,884/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,404/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,232
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,947
−HK$2,754/mo
Today · 4.125%
HK$106,701
baseline
▲ 0.50% · 4.625%
HK$112,325
+HK$5,624/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,402/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,224 · Scale 2, in force from 26 Feb 2026)