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$50,399
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,592/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,572
−HK$1,525/mo
Today · 4.125%
HK$59,097
baseline
▲ 0.50% · 4.625%
HK$62,213
+HK$3,116/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,194/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,479
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,911/mo
Today · 4.125%
HK$64,271
baseline
▲ 0.50% · 4.625%
HK$68,182
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,542/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,282
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,086
−HK$1,831/mo
Today · 4.125%
HK$70,917
baseline
▲ 0.50% · 4.625%
HK$74,655
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,834/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,558
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,753
−HK$2,230/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$79,546
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,966/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,496
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,601
−HK$2,135/mo
Today · 4.125%
HK$82,736
baseline
▲ 0.50% · 4.625%
HK$87,098
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,472/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,718
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,540
−HK$2,867/mo
Today · 4.125%
HK$96,407
baseline
▲ 0.50% · 4.625%
HK$102,273
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,814/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,923
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,630
−HK$2,745/mo
Today · 4.125%
HK$106,375
baseline
▲ 0.50% · 4.625%
HK$111,983
+HK$5,608/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,750/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,348 · Scale 2, in force from 26 Feb 2026)