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$50,384
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,951
−HK$1,593/mo
Today · 4.125%
HK$53,544
baseline
▲ 0.50% · 4.625%
HK$56,802
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,088/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,052
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,555
−HK$1,525/mo
Today · 4.125%
HK$59,080
baseline
▲ 0.50% · 4.625%
HK$62,194
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,160/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,461
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,342
−HK$1,911/mo
Today · 4.125%
HK$64,253
baseline
▲ 0.50% · 4.625%
HK$68,162
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,506/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,066
−HK$1,830/mo
Today · 4.125%
HK$70,896
baseline
▲ 0.50% · 4.625%
HK$74,633
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,792/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,538
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,732
−HK$2,229/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$79,522
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,473
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,135/mo
Today · 4.125%
HK$82,712
baseline
▲ 0.50% · 4.625%
HK$87,072
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,424/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,692
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,513
−HK$2,866/mo
Today · 4.125%
HK$96,379
baseline
▲ 0.50% · 4.625%
HK$102,243
+HK$5,864/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,758/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,893
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,599
−HK$2,745/mo
Today · 4.125%
HK$106,344
baseline
▲ 0.50% · 4.625%
HK$111,950
+HK$5,606/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,688/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,074 · Scale 2, in force from 26 Feb 2026)