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$50,402
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,970
−HK$1,592/mo
Today · 4.125%
HK$53,562
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$3,260/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,124/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,072
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,526/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,216
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,482
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,364
−HK$1,911/mo
Today · 4.125%
HK$64,275
baseline
▲ 0.50% · 4.625%
HK$68,186
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,550/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,286
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,090
−HK$1,831/mo
Today · 4.125%
HK$70,921
baseline
▲ 0.50% · 4.625%
HK$74,659
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,842/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,563
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,757
−HK$2,230/mo
Today · 4.125%
HK$74,987
baseline
▲ 0.50% · 4.625%
HK$79,550
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,974/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,500
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,606
−HK$2,135/mo
Today · 4.125%
HK$82,741
baseline
▲ 0.50% · 4.625%
HK$87,103
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,482/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,723
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,545
−HK$2,867/mo
Today · 4.125%
HK$96,412
baseline
▲ 0.50% · 4.625%
HK$102,279
+HK$5,867/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,824/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,929
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,636
−HK$2,746/mo
Today · 4.125%
HK$106,382
baseline
▲ 0.50% · 4.625%
HK$111,989
+HK$5,607/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,764/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,403 · Scale 2, in force from 26 Feb 2026)