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$50,446
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,015
−HK$1,594/mo
Today · 4.125%
HK$53,609
baseline
▲ 0.50% · 4.625%
HK$56,871
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,218/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,120
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,626
−HK$1,526/mo
Today · 4.125%
HK$59,152
baseline
▲ 0.50% · 4.625%
HK$62,270
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,304/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,418
−HK$1,913/mo
Today · 4.125%
HK$64,331
baseline
▲ 0.50% · 4.625%
HK$68,245
+HK$3,914/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,662/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,345
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$1,832/mo
Today · 4.125%
HK$70,983
baseline
▲ 0.50% · 4.625%
HK$74,725
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,966/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,624
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,821
−HK$2,232/mo
Today · 4.125%
HK$75,053
baseline
▲ 0.50% · 4.625%
HK$79,620
+HK$4,567/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,106/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,569
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,676
−HK$2,137/mo
Today · 4.125%
HK$82,813
baseline
▲ 0.50% · 4.625%
HK$87,179
+HK$4,366/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,626/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,802
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,627
−HK$2,870/mo
Today · 4.125%
HK$96,497
baseline
▲ 0.50% · 4.625%
HK$102,368
+HK$5,871/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$192,994/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,017
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,726
−HK$2,748/mo
Today · 4.125%
HK$106,474
baseline
▲ 0.50% · 4.625%
HK$112,087
+HK$5,613/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,948/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,222 · Scale 2, in force from 26 Feb 2026)