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$50,455
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,025
−HK$1,594/mo
Today · 4.125%
HK$53,619
baseline
▲ 0.50% · 4.625%
HK$56,882
+HK$3,263/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,238/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,131
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,636
−HK$1,528/mo
Today · 4.125%
HK$59,164
baseline
▲ 0.50% · 4.625%
HK$62,282
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,328/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,546
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,430
−HK$1,913/mo
Today · 4.125%
HK$64,343
baseline
▲ 0.50% · 4.625%
HK$68,258
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,686/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,357
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,164
−HK$1,832/mo
Today · 4.125%
HK$70,996
baseline
▲ 0.50% · 4.625%
HK$74,739
+HK$3,743/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$141,992/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,637
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,835
−HK$2,232/mo
Today · 4.125%
HK$75,067
baseline
▲ 0.50% · 4.625%
HK$79,635
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,134/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,583
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,691
−HK$2,138/mo
Today · 4.125%
HK$82,829
baseline
▲ 0.50% · 4.625%
HK$87,195
+HK$4,366/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,658/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,820
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,645
−HK$2,870/mo
Today · 4.125%
HK$96,515
baseline
▲ 0.50% · 4.625%
HK$102,387
+HK$5,872/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,030/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,036
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,746
−HK$2,748/mo
Today · 4.125%
HK$106,494
baseline
▲ 0.50% · 4.625%
HK$112,108
+HK$5,614/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,988/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,399 · Scale 2, in force from 26 Feb 2026)