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$50,488
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,059
−HK$1,595/mo
Today · 4.125%
HK$53,654
baseline
▲ 0.50% · 4.625%
HK$56,919
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,308/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,168
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,674
−HK$1,528/mo
Today · 4.125%
HK$59,202
baseline
▲ 0.50% · 4.625%
HK$62,323
+HK$3,121/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,404/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,586
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,470
−HK$1,915/mo
Today · 4.125%
HK$64,385
baseline
▲ 0.50% · 4.625%
HK$68,303
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,770/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,401
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,209
−HK$1,834/mo
Today · 4.125%
HK$71,043
baseline
▲ 0.50% · 4.625%
HK$74,787
+HK$3,744/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,086/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,683
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,882
−HK$2,234/mo
Today · 4.125%
HK$75,116
baseline
▲ 0.50% · 4.625%
HK$79,686
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,232/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,635
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,743
−HK$2,140/mo
Today · 4.125%
HK$82,883
baseline
▲ 0.50% · 4.625%
HK$87,252
+HK$4,369/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,766/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,879
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,705
−HK$2,873/mo
Today · 4.125%
HK$96,578
baseline
▲ 0.50% · 4.625%
HK$102,454
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,156/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,102
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,813
−HK$2,751/mo
Today · 4.125%
HK$106,564
baseline
▲ 0.50% · 4.625%
HK$112,181
+HK$5,617/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,128/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,011 · Scale 2, in force from 26 Feb 2026)