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$50,423
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,991
−HK$1,594/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,845
+HK$3,260/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,095
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,599
−HK$1,526/mo
Today · 4.125%
HK$59,125
baseline
▲ 0.50% · 4.625%
HK$62,242
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,250/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,507
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,389
−HK$1,913/mo
Today · 4.125%
HK$64,302
baseline
▲ 0.50% · 4.625%
HK$68,214
+HK$3,912/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,604/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,314
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,119
−HK$1,831/mo
Today · 4.125%
HK$70,950
baseline
▲ 0.50% · 4.625%
HK$74,690
+HK$3,740/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,900/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,592
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,788
−HK$2,230/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$79,583
+HK$4,565/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,533
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,639
−HK$2,136/mo
Today · 4.125%
HK$82,775
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,364/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,550/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,761
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,584
−HK$2,868/mo
Today · 4.125%
HK$96,452
baseline
▲ 0.50% · 4.625%
HK$102,321
+HK$5,869/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,904/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,970
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,678
−HK$2,748/mo
Today · 4.125%
HK$106,426
baseline
▲ 0.50% · 4.625%
HK$112,035
+HK$5,609/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,852/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,791 · Scale 2, in force from 26 Feb 2026)