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$50,539
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,111
−HK$1,597/mo
Today · 4.125%
HK$53,708
baseline
▲ 0.50% · 4.625%
HK$56,976
+HK$3,268/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$107,416/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,224
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,732
−HK$1,529/mo
Today · 4.125%
HK$59,261
baseline
▲ 0.50% · 4.625%
HK$62,385
+HK$3,124/mo
Deposit HK$11.08M · loan HK$11.08M · min. income ≈ HK$118,522/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,646
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,533
−HK$1,916/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$68,371
+HK$3,922/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$128,898/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,468
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,278
−HK$1,835/mo
Today · 4.125%
HK$71,113
baseline
▲ 0.50% · 4.625%
HK$74,862
+HK$3,749/mo
Deposit HK$8.87M · loan HK$13.30M · min. income ≈ HK$142,226/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,754
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,955
−HK$2,236/mo
Today · 4.125%
HK$75,191
baseline
▲ 0.50% · 4.625%
HK$79,766
+HK$4,575/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$150,382/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,713
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,824
−HK$2,142/mo
Today · 4.125%
HK$82,966
baseline
▲ 0.50% · 4.625%
HK$87,339
+HK$4,373/mo
Deposit HK$6.65M · loan HK$15.51M · min. income ≈ HK$165,932/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,969
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,799
−HK$2,875/mo
Today · 4.125%
HK$96,674
baseline
▲ 0.50% · 4.625%
HK$102,556
+HK$5,882/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$193,348/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,203
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,917
−HK$2,753/mo
Today · 4.125%
HK$106,670
baseline
▲ 0.50% · 4.625%
HK$112,293
+HK$5,623/mo
Deposit HK$2.22M · loan HK$19.95M · min. income ≈ HK$213,340/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$941,951 · Scale 2, in force from 26 Feb 2026)