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$50,405
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,973
−HK$1,592/mo
Today · 4.125%
HK$53,565
baseline
▲ 0.50% · 4.625%
HK$56,825
+HK$3,260/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,130/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,579
−HK$1,525/mo
Today · 4.125%
HK$59,104
baseline
▲ 0.50% · 4.625%
HK$62,220
+HK$3,116/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,208/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,367
−HK$1,912/mo
Today · 4.125%
HK$64,279
baseline
▲ 0.50% · 4.625%
HK$68,190
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,558/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,094
−HK$1,831/mo
Today · 4.125%
HK$70,925
baseline
▲ 0.50% · 4.625%
HK$74,664
+HK$3,739/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,850/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$2,230/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$79,555
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,505
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,610
−HK$2,136/mo
Today · 4.125%
HK$82,746
baseline
▲ 0.50% · 4.625%
HK$87,108
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,492/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,728
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,551
−HK$2,867/mo
Today · 4.125%
HK$96,418
baseline
▲ 0.50% · 4.625%
HK$102,285
+HK$5,867/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,836/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,934
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$103,641
−HK$2,747/mo
Today · 4.125%
HK$106,388
baseline
▲ 0.50% · 4.625%
HK$111,995
+HK$5,607/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,776/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,455 · Scale 2, in force from 26 Feb 2026)