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$50,391
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,959
−HK$1,592/mo
Today · 4.125%
HK$53,551
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,102/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,060
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,563
−HK$1,525/mo
Today · 4.125%
HK$59,088
baseline
▲ 0.50% · 4.625%
HK$62,203
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,176/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,469
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,350
−HK$1,911/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$68,172
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,272
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,076
−HK$1,830/mo
Today · 4.125%
HK$70,906
baseline
▲ 0.50% · 4.625%
HK$74,644
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,812/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,548
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,742
−HK$2,230/mo
Today · 4.125%
HK$74,972
baseline
▲ 0.50% · 4.625%
HK$79,533
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,944/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,484
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,588
−HK$2,136/mo
Today · 4.125%
HK$82,724
baseline
▲ 0.50% · 4.625%
HK$87,084
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,448/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,704
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,526
−HK$2,866/mo
Today · 4.125%
HK$96,392
baseline
▲ 0.50% · 4.625%
HK$102,257
+HK$5,865/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,784/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,907
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,614
−HK$2,745/mo
Today · 4.125%
HK$106,359
baseline
▲ 0.50% · 4.625%
HK$111,966
+HK$5,607/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,718/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,205 · Scale 2, in force from 26 Feb 2026)