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$50,419
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,988
−HK$1,593/mo
Today · 4.125%
HK$53,581
baseline
▲ 0.50% · 4.625%
HK$56,841
+HK$3,260/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,162/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,091
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,595
−HK$1,526/mo
Today · 4.125%
HK$59,121
baseline
▲ 0.50% · 4.625%
HK$62,238
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,242/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,385
−HK$1,912/mo
Today · 4.125%
HK$64,297
baseline
▲ 0.50% · 4.625%
HK$68,210
+HK$3,913/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$128,594/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,309
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,114
−HK$1,832/mo
Today · 4.125%
HK$70,946
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$3,739/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$141,892/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,587
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,783
−HK$2,230/mo
Today · 4.125%
HK$75,013
baseline
▲ 0.50% · 4.625%
HK$79,578
+HK$4,565/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,026/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,527
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,633
−HK$2,137/mo
Today · 4.125%
HK$82,770
baseline
▲ 0.50% · 4.625%
HK$87,133
+HK$4,363/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,540/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,755
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,578
−HK$2,868/mo
Today · 4.125%
HK$96,446
baseline
▲ 0.50% · 4.625%
HK$102,314
+HK$5,868/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,892/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,964
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,672
−HK$2,747/mo
Today · 4.125%
HK$106,419
baseline
▲ 0.50% · 4.625%
HK$112,028
+HK$5,609/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,838/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,729 · Scale 2, in force from 26 Feb 2026)