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$50,416
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,984
−HK$1,594/mo
Today · 4.125%
HK$53,578
baseline
▲ 0.50% · 4.625%
HK$56,838
+HK$3,260/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,156/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,087
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,592
−HK$1,526/mo
Today · 4.125%
HK$59,118
baseline
▲ 0.50% · 4.625%
HK$62,234
+HK$3,116/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,236/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,499
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,381
−HK$1,912/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$68,205
+HK$3,912/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,305
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$1,831/mo
Today · 4.125%
HK$70,941
baseline
▲ 0.50% · 4.625%
HK$74,681
+HK$3,740/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$141,882/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,583
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,778
−HK$2,231/mo
Today · 4.125%
HK$75,009
baseline
▲ 0.50% · 4.625%
HK$79,573
+HK$4,564/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,018/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,522
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,628
−HK$2,137/mo
Today · 4.125%
HK$82,765
baseline
▲ 0.50% · 4.625%
HK$87,127
+HK$4,362/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,530/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,749
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,572
−HK$2,868/mo
Today · 4.125%
HK$96,440
baseline
▲ 0.50% · 4.625%
HK$102,308
+HK$5,868/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,880/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,957
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,665
−HK$2,747/mo
Today · 4.125%
HK$106,412
baseline
▲ 0.50% · 4.625%
HK$112,021
+HK$5,609/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,824/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,670 · Scale 2, in force from 26 Feb 2026)