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$50,387
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,954
−HK$1,593/mo
Today · 4.125%
HK$53,547
baseline
▲ 0.50% · 4.625%
HK$56,805
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,094/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,055
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,558
−HK$1,525/mo
Today · 4.125%
HK$59,083
baseline
▲ 0.50% · 4.625%
HK$62,198
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,166/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,464
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,345
−HK$1,911/mo
Today · 4.125%
HK$64,256
baseline
▲ 0.50% · 4.625%
HK$68,166
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,512/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,266
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,070
−HK$1,830/mo
Today · 4.125%
HK$70,900
baseline
▲ 0.50% · 4.625%
HK$74,637
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,800/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,542
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,736
−HK$2,229/mo
Today · 4.125%
HK$74,965
baseline
▲ 0.50% · 4.625%
HK$79,527
+HK$4,562/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,930/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,477
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,582
−HK$2,135/mo
Today · 4.125%
HK$82,717
baseline
▲ 0.50% · 4.625%
HK$87,077
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,434/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,696
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,517
−HK$2,867/mo
Today · 4.125%
HK$96,384
baseline
▲ 0.50% · 4.625%
HK$102,249
+HK$5,865/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,768/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,899
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,605
−HK$2,745/mo
Today · 4.125%
HK$106,350
baseline
▲ 0.50% · 4.625%
HK$111,956
+HK$5,606/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,700/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,123 · Scale 2, in force from 26 Feb 2026)