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$50,389
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,592/mo
Today · 4.125%
HK$53,549
baseline
▲ 0.50% · 4.625%
HK$56,808
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,098/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,058
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,561
−HK$1,525/mo
Today · 4.125%
HK$59,086
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,172/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,467
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,348
−HK$1,911/mo
Today · 4.125%
HK$64,259
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,518/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,269
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$1,831/mo
Today · 4.125%
HK$70,904
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,808/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,545
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,740
−HK$2,229/mo
Today · 4.125%
HK$74,969
baseline
▲ 0.50% · 4.625%
HK$79,531
+HK$4,562/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,938/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,481
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,586
−HK$2,135/mo
Today · 4.125%
HK$82,721
baseline
▲ 0.50% · 4.625%
HK$87,081
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,442/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,701
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,522
−HK$2,867/mo
Today · 4.125%
HK$96,389
baseline
▲ 0.50% · 4.625%
HK$102,254
+HK$5,865/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,778/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,904
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,610
−HK$2,746/mo
Today · 4.125%
HK$106,356
baseline
▲ 0.50% · 4.625%
HK$111,962
+HK$5,606/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,712/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,173 · Scale 2, in force from 26 Feb 2026)