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$50,457
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,595/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,884
+HK$3,263/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,133
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,638
−HK$1,528/mo
Today · 4.125%
HK$59,166
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,332/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,548
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,432
−HK$1,913/mo
Today · 4.125%
HK$64,345
baseline
▲ 0.50% · 4.625%
HK$68,261
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,690/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,359
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,166
−HK$1,833/mo
Today · 4.125%
HK$70,999
baseline
▲ 0.50% · 4.625%
HK$74,741
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$141,998/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,640
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,837
−HK$2,233/mo
Today · 4.125%
HK$75,070
baseline
▲ 0.50% · 4.625%
HK$79,637
+HK$4,567/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,140/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,586
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,694
−HK$2,138/mo
Today · 4.125%
HK$82,832
baseline
▲ 0.50% · 4.625%
HK$87,198
+HK$4,366/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,664/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,823
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,648
−HK$2,870/mo
Today · 4.125%
HK$96,518
baseline
▲ 0.50% · 4.625%
HK$102,391
+HK$5,873/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,036/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,039
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,749
−HK$2,749/mo
Today · 4.125%
HK$106,498
baseline
▲ 0.50% · 4.625%
HK$112,112
+HK$5,614/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,996/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,430 · Scale 2, in force from 26 Feb 2026)