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$50,431
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,000
−HK$1,594/mo
Today · 4.125%
HK$53,594
baseline
▲ 0.50% · 4.625%
HK$56,855
+HK$3,261/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,188/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,104
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,609
−HK$1,527/mo
Today · 4.125%
HK$59,136
baseline
▲ 0.50% · 4.625%
HK$62,253
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,272/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,400
−HK$1,913/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$68,226
+HK$3,913/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,131
−HK$1,832/mo
Today · 4.125%
HK$70,963
baseline
▲ 0.50% · 4.625%
HK$74,703
+HK$3,740/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,926/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,604
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,800
−HK$2,232/mo
Today · 4.125%
HK$75,032
baseline
▲ 0.50% · 4.625%
HK$79,597
+HK$4,565/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,064/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,546
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,653
−HK$2,137/mo
Today · 4.125%
HK$82,790
baseline
▲ 0.50% · 4.625%
HK$87,154
+HK$4,364/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,580/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,777
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,600
−HK$2,869/mo
Today · 4.125%
HK$96,469
baseline
▲ 0.50% · 4.625%
HK$102,339
+HK$5,870/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,938/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,988
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,697
−HK$2,747/mo
Today · 4.125%
HK$106,444
baseline
▲ 0.50% · 4.625%
HK$112,055
+HK$5,611/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,888/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,955 · Scale 2, in force from 26 Feb 2026)