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$50,451
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,020
−HK$1,594/mo
Today · 4.125%
HK$53,614
baseline
▲ 0.50% · 4.625%
HK$56,877
+HK$3,263/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,228/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,126
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,631
−HK$1,527/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,277
+HK$3,119/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,541
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,424
−HK$1,913/mo
Today · 4.125%
HK$64,337
baseline
▲ 0.50% · 4.625%
HK$68,252
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,674/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,351
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,157
−HK$1,833/mo
Today · 4.125%
HK$70,990
baseline
▲ 0.50% · 4.625%
HK$74,732
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$141,980/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,631
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,828
−HK$2,232/mo
Today · 4.125%
HK$75,060
baseline
▲ 0.50% · 4.625%
HK$79,627
+HK$4,567/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,120/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,576
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,684
−HK$2,138/mo
Today · 4.125%
HK$82,822
baseline
▲ 0.50% · 4.625%
HK$87,187
+HK$4,365/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,644/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,811
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,636
−HK$2,870/mo
Today · 4.125%
HK$96,506
baseline
▲ 0.50% · 4.625%
HK$102,378
+HK$5,872/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,012/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,027
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,736
−HK$2,749/mo
Today · 4.125%
HK$106,485
baseline
▲ 0.50% · 4.625%
HK$112,098
+HK$5,613/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,970/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,314 · Scale 2, in force from 26 Feb 2026)