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$50,433
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,002
−HK$1,594/mo
Today · 4.125%
HK$53,596
baseline
▲ 0.50% · 4.625%
HK$56,857
+HK$3,261/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,192/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,107
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,612
−HK$1,526/mo
Today · 4.125%
HK$59,138
baseline
▲ 0.50% · 4.625%
HK$62,255
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,276/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,520
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,403
−HK$1,912/mo
Today · 4.125%
HK$64,315
baseline
▲ 0.50% · 4.625%
HK$68,229
+HK$3,914/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,630/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,328
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$1,832/mo
Today · 4.125%
HK$70,966
baseline
▲ 0.50% · 4.625%
HK$74,706
+HK$3,740/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,932/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,607
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,803
−HK$2,232/mo
Today · 4.125%
HK$75,035
baseline
▲ 0.50% · 4.625%
HK$79,600
+HK$4,565/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$150,070/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,549
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,656
−HK$2,137/mo
Today · 4.125%
HK$82,793
baseline
▲ 0.50% · 4.625%
HK$87,157
+HK$4,364/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$165,586/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,780
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,604
−HK$2,869/mo
Today · 4.125%
HK$96,473
baseline
▲ 0.50% · 4.625%
HK$102,343
+HK$5,870/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$192,946/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,992
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,701
−HK$2,747/mo
Today · 4.125%
HK$106,448
baseline
▲ 0.50% · 4.625%
HK$112,059
+HK$5,611/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,896/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,993 · Scale 2, in force from 26 Feb 2026)