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$50,485
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,055
−HK$1,596/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,916
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,164
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,529/mo
Today · 4.125%
HK$59,199
baseline
▲ 0.50% · 4.625%
HK$62,319
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,398/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,582
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,467
−HK$1,914/mo
Today · 4.125%
HK$64,381
baseline
▲ 0.50% · 4.625%
HK$68,299
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,762/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,397
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$1,833/mo
Today · 4.125%
HK$71,038
baseline
▲ 0.50% · 4.625%
HK$74,783
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,076/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,679
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,878
−HK$2,233/mo
Today · 4.125%
HK$75,111
baseline
▲ 0.50% · 4.625%
HK$79,682
+HK$4,571/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,222/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,630
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,739
−HK$2,139/mo
Today · 4.125%
HK$82,878
baseline
▲ 0.50% · 4.625%
HK$87,247
+HK$4,369/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,756/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,873
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,700
−HK$2,872/mo
Today · 4.125%
HK$96,572
baseline
▲ 0.50% · 4.625%
HK$102,448
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,144/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,096
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,807
−HK$2,750/mo
Today · 4.125%
HK$106,557
baseline
▲ 0.50% · 4.625%
HK$112,174
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,114/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,955 · Scale 2, in force from 26 Feb 2026)