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$50,374
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,941
−HK$1,592/mo
Today · 4.125%
HK$53,533
baseline
▲ 0.50% · 4.625%
HK$56,791
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,066/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,041
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,544
−HK$1,525/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,182
+HK$3,113/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,449
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,910/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$68,149
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,249
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$1,830/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$74,619
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.25M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,524
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,718
−HK$2,229/mo
Today · 4.125%
HK$74,947
baseline
▲ 0.50% · 4.625%
HK$79,507
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,894/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,458
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,562
−HK$2,134/mo
Today · 4.125%
HK$82,696
baseline
▲ 0.50% · 4.625%
HK$87,055
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,392/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,674
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,494
−HK$2,866/mo
Today · 4.125%
HK$96,360
baseline
▲ 0.50% · 4.625%
HK$102,223
+HK$5,863/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,720/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,874
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,579
−HK$2,745/mo
Today · 4.125%
HK$106,324
baseline
▲ 0.50% · 4.625%
HK$111,928
+HK$5,604/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,648/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,892 · Scale 2, in force from 26 Feb 2026)