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$50,579
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,599/mo
Today · 4.125%
HK$53,751
baseline
▲ 0.50% · 4.625%
HK$57,021
+HK$3,270/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$107,502/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,778
−HK$1,531/mo
Today · 4.125%
HK$59,309
baseline
▲ 0.50% · 4.625%
HK$62,435
+HK$3,126/mo
Deposit HK$11.09M · loan HK$11.09M · min. income ≈ HK$118,618/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,695
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,918/mo
Today · 4.125%
HK$64,501
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,925/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$129,002/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,522
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,333
−HK$1,837/mo
Today · 4.125%
HK$71,170
baseline
▲ 0.50% · 4.625%
HK$74,922
+HK$3,752/mo
Deposit HK$8.87M · loan HK$13.31M · min. income ≈ HK$142,340/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,811
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,013
−HK$2,238/mo
Today · 4.125%
HK$75,251
baseline
▲ 0.50% · 4.625%
HK$79,830
+HK$4,579/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$150,502/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,776
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,889
−HK$2,143/mo
Today · 4.125%
HK$83,032
baseline
▲ 0.50% · 4.625%
HK$87,409
+HK$4,377/mo
Deposit HK$6.65M · loan HK$15.53M · min. income ≈ HK$166,064/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,042
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,874
−HK$2,877/mo
Today · 4.125%
HK$96,751
baseline
▲ 0.50% · 4.625%
HK$102,638
+HK$5,887/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$193,502/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,283
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,000
−HK$2,755/mo
Today · 4.125%
HK$106,755
baseline
▲ 0.50% · 4.625%
HK$112,383
+HK$5,628/mo
Deposit HK$2.22M · loan HK$19.96M · min. income ≈ HK$213,510/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$942,704 · Scale 2, in force from 26 Feb 2026)