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$50,452
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,022
−HK$1,594/mo
Today · 4.125%
HK$53,616
baseline
▲ 0.50% · 4.625%
HK$56,878
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,232/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,128
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,633
−HK$1,527/mo
Today · 4.125%
HK$59,160
baseline
▲ 0.50% · 4.625%
HK$62,278
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,320/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,543
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,426
−HK$1,913/mo
Today · 4.125%
HK$64,339
baseline
▲ 0.50% · 4.625%
HK$68,254
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,678/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,353
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,160
−HK$1,832/mo
Today · 4.125%
HK$70,992
baseline
▲ 0.50% · 4.625%
HK$74,734
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$141,984/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,633
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,830
−HK$2,233/mo
Today · 4.125%
HK$75,063
baseline
▲ 0.50% · 4.625%
HK$79,630
+HK$4,567/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,126/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,579
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,686
−HK$2,138/mo
Today · 4.125%
HK$82,824
baseline
▲ 0.50% · 4.625%
HK$87,190
+HK$4,366/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,648/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,814
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,639
−HK$2,870/mo
Today · 4.125%
HK$96,509
baseline
▲ 0.50% · 4.625%
HK$102,381
+HK$5,872/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,018/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,030
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,739
−HK$2,749/mo
Today · 4.125%
HK$106,488
baseline
▲ 0.50% · 4.625%
HK$112,101
+HK$5,613/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,976/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,343 · Scale 2, in force from 26 Feb 2026)