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$50,408
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,593/mo
Today · 4.125%
HK$53,569
baseline
▲ 0.50% · 4.625%
HK$56,829
+HK$3,260/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,138/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,079
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,583
−HK$1,526/mo
Today · 4.125%
HK$59,109
baseline
▲ 0.50% · 4.625%
HK$62,224
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,218/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,490
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,372
−HK$1,911/mo
Today · 4.125%
HK$64,283
baseline
▲ 0.50% · 4.625%
HK$68,195
+HK$3,912/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,566/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,295
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,099
−HK$1,831/mo
Today · 4.125%
HK$70,930
baseline
▲ 0.50% · 4.625%
HK$74,669
+HK$3,739/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,860/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,572
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,767
−HK$2,230/mo
Today · 4.125%
HK$74,997
baseline
▲ 0.50% · 4.625%
HK$79,561
+HK$4,564/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,994/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,510
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,616
−HK$2,136/mo
Today · 4.125%
HK$82,752
baseline
▲ 0.50% · 4.625%
HK$87,114
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,504/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,735
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,557
−HK$2,868/mo
Today · 4.125%
HK$96,425
baseline
▲ 0.50% · 4.625%
HK$102,292
+HK$5,867/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,850/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,942
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,649
−HK$2,746/mo
Today · 4.125%
HK$106,395
baseline
▲ 0.50% · 4.625%
HK$112,004
+HK$5,609/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,790/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,524 · Scale 2, in force from 26 Feb 2026)