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$50,453
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,022
−HK$1,595/mo
Today · 4.125%
HK$53,617
baseline
▲ 0.50% · 4.625%
HK$56,879
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,234/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,129
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,634
−HK$1,527/mo
Today · 4.125%
HK$59,161
baseline
▲ 0.50% · 4.625%
HK$62,279
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,322/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,544
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,427
−HK$1,913/mo
Today · 4.125%
HK$64,340
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,680/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,354
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,161
−HK$1,832/mo
Today · 4.125%
HK$70,993
baseline
▲ 0.50% · 4.625%
HK$74,735
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$141,986/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,634
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,831
−HK$2,233/mo
Today · 4.125%
HK$75,064
baseline
▲ 0.50% · 4.625%
HK$79,631
+HK$4,567/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,128/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,580
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,687
−HK$2,138/mo
Today · 4.125%
HK$82,825
baseline
▲ 0.50% · 4.625%
HK$87,191
+HK$4,366/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,650/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,816
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,640
−HK$2,870/mo
Today · 4.125%
HK$96,510
baseline
▲ 0.50% · 4.625%
HK$102,383
+HK$5,873/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,020/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,031
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,741
−HK$2,749/mo
Today · 4.125%
HK$106,490
baseline
▲ 0.50% · 4.625%
HK$112,103
+HK$5,613/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,980/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,358 · Scale 2, in force from 26 Feb 2026)