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$50,390
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,593/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,808
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,058
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,525/mo
Today · 4.125%
HK$59,087
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,174/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,468
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,349
−HK$1,911/mo
Today · 4.125%
HK$64,260
baseline
▲ 0.50% · 4.625%
HK$68,170
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,520/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,270
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,074
−HK$1,830/mo
Today · 4.125%
HK$70,904
baseline
▲ 0.50% · 4.625%
HK$74,642
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,808/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,546
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,740
−HK$2,230/mo
Today · 4.125%
HK$74,970
baseline
▲ 0.50% · 4.625%
HK$79,531
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,940/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,481
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,586
−HK$2,136/mo
Today · 4.125%
HK$82,722
baseline
▲ 0.50% · 4.625%
HK$87,082
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,444/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,702
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,523
−HK$2,866/mo
Today · 4.125%
HK$96,389
baseline
▲ 0.50% · 4.625%
HK$102,255
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,778/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,905
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,611
−HK$2,745/mo
Today · 4.125%
HK$106,356
baseline
▲ 0.50% · 4.625%
HK$111,962
+HK$5,606/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,712/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,179 · Scale 2, in force from 26 Feb 2026)