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$50,403
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,971
−HK$1,593/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,073
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,525/mo
Today · 4.125%
HK$59,102
baseline
▲ 0.50% · 4.625%
HK$62,218
+HK$3,116/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,204/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,484
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,365
−HK$1,911/mo
Today · 4.125%
HK$64,276
baseline
▲ 0.50% · 4.625%
HK$68,188
+HK$3,912/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,552/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,287
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,092
−HK$1,831/mo
Today · 4.125%
HK$70,923
baseline
▲ 0.50% · 4.625%
HK$74,661
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,846/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,564
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,759
−HK$2,230/mo
Today · 4.125%
HK$74,989
baseline
▲ 0.50% · 4.625%
HK$79,552
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,978/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,502
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,607
−HK$2,136/mo
Today · 4.125%
HK$82,743
baseline
▲ 0.50% · 4.625%
HK$87,105
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,486/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,725
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,547
−HK$2,868/mo
Today · 4.125%
HK$96,415
baseline
▲ 0.50% · 4.625%
HK$102,281
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,830/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,931
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,638
−HK$2,746/mo
Today · 4.125%
HK$106,384
baseline
▲ 0.50% · 4.625%
HK$111,992
+HK$5,608/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,768/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,425 · Scale 2, in force from 26 Feb 2026)