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$50,378
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,593/mo
Today · 4.125%
HK$53,538
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,076/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,045
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,549
−HK$1,524/mo
Today · 4.125%
HK$59,073
baseline
▲ 0.50% · 4.625%
HK$62,187
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,146/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,335
−HK$1,910/mo
Today · 4.125%
HK$64,245
baseline
▲ 0.50% · 4.625%
HK$68,154
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,490/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,255
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,058
−HK$1,830/mo
Today · 4.125%
HK$70,888
baseline
▲ 0.50% · 4.625%
HK$74,625
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,776/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,724
−HK$2,229/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$79,513
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,464
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,568
−HK$2,135/mo
Today · 4.125%
HK$82,703
baseline
▲ 0.50% · 4.625%
HK$87,062
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,406/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,681
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,502
−HK$2,866/mo
Today · 4.125%
HK$96,368
baseline
▲ 0.50% · 4.625%
HK$102,231
+HK$5,863/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,736/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,882
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,587
−HK$2,745/mo
Today · 4.125%
HK$106,332
baseline
▲ 0.50% · 4.625%
HK$111,937
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,664/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,966 · Scale 2, in force from 26 Feb 2026)