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$50,394
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,961
−HK$1,593/mo
Today · 4.125%
HK$53,554
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,108/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,063
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,566
−HK$1,525/mo
Today · 4.125%
HK$59,091
baseline
▲ 0.50% · 4.625%
HK$62,206
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,182/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,472
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,354
−HK$1,911/mo
Today · 4.125%
HK$64,265
baseline
▲ 0.50% · 4.625%
HK$68,175
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,530/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,275
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,079
−HK$1,831/mo
Today · 4.125%
HK$70,910
baseline
▲ 0.50% · 4.625%
HK$74,647
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,820/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,551
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,746
−HK$2,229/mo
Today · 4.125%
HK$74,975
baseline
▲ 0.50% · 4.625%
HK$79,538
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,950/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,488
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,593
−HK$2,135/mo
Today · 4.125%
HK$82,728
baseline
▲ 0.50% · 4.625%
HK$87,089
+HK$4,361/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,456/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,709
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,530
−HK$2,867/mo
Today · 4.125%
HK$96,397
baseline
▲ 0.50% · 4.625%
HK$102,263
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,794/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,913
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,619
−HK$2,746/mo
Today · 4.125%
HK$106,365
baseline
▲ 0.50% · 4.625%
HK$111,971
+HK$5,606/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,730/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,252 · Scale 2, in force from 26 Feb 2026)