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$50,395
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,593/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,814
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,064
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,568
−HK$1,525/mo
Today · 4.125%
HK$59,093
baseline
▲ 0.50% · 4.625%
HK$62,208
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,186/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,475
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,356
−HK$1,911/mo
Today · 4.125%
HK$64,267
baseline
▲ 0.50% · 4.625%
HK$68,177
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,534/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,277
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,082
−HK$1,830/mo
Today · 4.125%
HK$70,912
baseline
▲ 0.50% · 4.625%
HK$74,650
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,824/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,554
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,748
−HK$2,230/mo
Today · 4.125%
HK$74,978
baseline
▲ 0.50% · 4.625%
HK$79,540
+HK$4,562/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,956/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,490
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,595
−HK$2,136/mo
Today · 4.125%
HK$82,731
baseline
▲ 0.50% · 4.625%
HK$87,092
+HK$4,361/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,462/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,712
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,533
−HK$2,867/mo
Today · 4.125%
HK$96,400
baseline
▲ 0.50% · 4.625%
HK$102,266
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,800/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,916
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,622
−HK$2,746/mo
Today · 4.125%
HK$106,368
baseline
▲ 0.50% · 4.625%
HK$111,975
+HK$5,607/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,736/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,284 · Scale 2, in force from 26 Feb 2026)