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$50,412
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,980
−HK$1,594/mo
Today · 4.125%
HK$53,574
baseline
▲ 0.50% · 4.625%
HK$56,833
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,148/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,083
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,587
−HK$1,526/mo
Today · 4.125%
HK$59,113
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,116/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,226/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,495
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,911/mo
Today · 4.125%
HK$64,288
baseline
▲ 0.50% · 4.625%
HK$68,200
+HK$3,912/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,576/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,300
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,105
−HK$1,831/mo
Today · 4.125%
HK$70,936
baseline
▲ 0.50% · 4.625%
HK$74,675
+HK$3,739/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,872/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,577
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,773
−HK$2,230/mo
Today · 4.125%
HK$75,003
baseline
▲ 0.50% · 4.625%
HK$79,567
+HK$4,564/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,006/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,622
−HK$2,137/mo
Today · 4.125%
HK$82,759
baseline
▲ 0.50% · 4.625%
HK$87,121
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,518/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,742
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,565
−HK$2,868/mo
Today · 4.125%
HK$96,433
baseline
▲ 0.50% · 4.625%
HK$102,300
+HK$5,867/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,866/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,950
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$103,657
−HK$2,747/mo
Today · 4.125%
HK$106,404
baseline
▲ 0.50% · 4.625%
HK$112,013
+HK$5,609/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,808/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,599 · Scale 2, in force from 26 Feb 2026)