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$50,448
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,018
−HK$1,594/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,874
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,123
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,628
−HK$1,527/mo
Today · 4.125%
HK$59,155
baseline
▲ 0.50% · 4.625%
HK$62,274
+HK$3,119/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,310/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,538
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,421
−HK$1,913/mo
Today · 4.125%
HK$64,334
baseline
▲ 0.50% · 4.625%
HK$68,249
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,668/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,348
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,154
−HK$1,832/mo
Today · 4.125%
HK$70,986
baseline
▲ 0.50% · 4.625%
HK$74,728
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,972/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,825
−HK$2,232/mo
Today · 4.125%
HK$75,057
baseline
▲ 0.50% · 4.625%
HK$79,624
+HK$4,567/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,114/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,573
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,680
−HK$2,138/mo
Today · 4.125%
HK$82,818
baseline
▲ 0.50% · 4.625%
HK$87,183
+HK$4,365/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,636/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,807
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,632
−HK$2,869/mo
Today · 4.125%
HK$96,501
baseline
▲ 0.50% · 4.625%
HK$102,373
+HK$5,872/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,002/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,022
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,731
−HK$2,749/mo
Today · 4.125%
HK$106,480
baseline
▲ 0.50% · 4.625%
HK$112,092
+HK$5,612/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,960/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,269 · Scale 2, in force from 26 Feb 2026)