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$50,420
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,988
−HK$1,594/mo
Today · 4.125%
HK$53,582
baseline
▲ 0.50% · 4.625%
HK$56,842
+HK$3,260/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,164/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,092
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,596
−HK$1,526/mo
Today · 4.125%
HK$59,122
baseline
▲ 0.50% · 4.625%
HK$62,239
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,244/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,504
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,386
−HK$1,912/mo
Today · 4.125%
HK$64,298
baseline
▲ 0.50% · 4.625%
HK$68,211
+HK$3,913/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$128,596/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,310
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,115
−HK$1,832/mo
Today · 4.125%
HK$70,947
baseline
▲ 0.50% · 4.625%
HK$74,686
+HK$3,739/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$141,894/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,588
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,784
−HK$2,230/mo
Today · 4.125%
HK$75,014
baseline
▲ 0.50% · 4.625%
HK$79,579
+HK$4,565/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,028/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,528
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,635
−HK$2,136/mo
Today · 4.125%
HK$82,771
baseline
▲ 0.50% · 4.625%
HK$87,134
+HK$4,363/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,542/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,756
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,579
−HK$2,868/mo
Today · 4.125%
HK$96,447
baseline
▲ 0.50% · 4.625%
HK$102,316
+HK$5,869/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,894/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,965
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,673
−HK$2,747/mo
Today · 4.125%
HK$106,420
baseline
▲ 0.50% · 4.625%
HK$112,030
+HK$5,610/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,840/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,741 · Scale 2, in force from 26 Feb 2026)