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$50,404
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,972
−HK$1,593/mo
Today · 4.125%
HK$53,565
baseline
▲ 0.50% · 4.625%
HK$56,824
+HK$3,259/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$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,074
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,578
−HK$1,525/mo
Today · 4.125%
HK$59,103
baseline
▲ 0.50% · 4.625%
HK$62,219
+HK$3,116/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,206/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,485
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,366
−HK$1,912/mo
Today · 4.125%
HK$64,278
baseline
▲ 0.50% · 4.625%
HK$68,189
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,556/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,289
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,093
−HK$1,831/mo
Today · 4.125%
HK$70,924
baseline
▲ 0.50% · 4.625%
HK$74,663
+HK$3,739/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,848/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,566
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,761
−HK$2,230/mo
Today · 4.125%
HK$74,991
baseline
▲ 0.50% · 4.625%
HK$79,554
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,982/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,503
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,609
−HK$2,136/mo
Today · 4.125%
HK$82,745
baseline
▲ 0.50% · 4.625%
HK$87,106
+HK$4,361/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,490/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,727
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,549
−HK$2,867/mo
Today · 4.125%
HK$96,416
baseline
▲ 0.50% · 4.625%
HK$102,283
+HK$5,867/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,832/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,933
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,640
−HK$2,746/mo
Today · 4.125%
HK$106,386
baseline
▲ 0.50% · 4.625%
HK$111,994
+HK$5,608/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,772/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,442 · Scale 2, in force from 26 Feb 2026)