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$50,438
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,007
−HK$1,594/mo
Today · 4.125%
HK$53,601
baseline
▲ 0.50% · 4.625%
HK$56,863
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,202/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,112
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,617
−HK$1,527/mo
Today · 4.125%
HK$59,144
baseline
▲ 0.50% · 4.625%
HK$62,261
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,288/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,526
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,409
−HK$1,912/mo
Today · 4.125%
HK$64,321
baseline
▲ 0.50% · 4.625%
HK$68,235
+HK$3,914/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,642/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,334
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,140
−HK$1,832/mo
Today · 4.125%
HK$70,972
baseline
▲ 0.50% · 4.625%
HK$74,713
+HK$3,741/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,944/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,614
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,810
−HK$2,232/mo
Today · 4.125%
HK$75,042
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$4,566/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$150,084/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,557
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,664
−HK$2,137/mo
Today · 4.125%
HK$82,801
baseline
▲ 0.50% · 4.625%
HK$87,166
+HK$4,365/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$165,602/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,789
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,613
−HK$2,869/mo
Today · 4.125%
HK$96,482
baseline
▲ 0.50% · 4.625%
HK$102,353
+HK$5,871/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$192,964/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,002
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,711
−HK$2,748/mo
Today · 4.125%
HK$106,459
baseline
▲ 0.50% · 4.625%
HK$112,070
+HK$5,611/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,918/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,082 · Scale 2, in force from 26 Feb 2026)