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$50,405
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,973
−HK$1,593/mo
Today · 4.125%
HK$53,566
baseline
▲ 0.50% · 4.625%
HK$56,825
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,132/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,579
−HK$1,526/mo
Today · 4.125%
HK$59,105
baseline
▲ 0.50% · 4.625%
HK$62,220
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,210/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,368
−HK$1,911/mo
Today · 4.125%
HK$64,279
baseline
▲ 0.50% · 4.625%
HK$68,190
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,558/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,290
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,095
−HK$1,831/mo
Today · 4.125%
HK$70,926
baseline
▲ 0.50% · 4.625%
HK$74,664
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,852/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$2,230/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$79,556
+HK$4,564/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,505
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,611
−HK$2,136/mo
Today · 4.125%
HK$82,747
baseline
▲ 0.50% · 4.625%
HK$87,108
+HK$4,361/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,494/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,729
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,552
−HK$2,867/mo
Today · 4.125%
HK$96,419
baseline
▲ 0.50% · 4.625%
HK$102,286
+HK$5,867/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,838/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,936
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,643
−HK$2,746/mo
Today · 4.125%
HK$106,389
baseline
▲ 0.50% · 4.625%
HK$111,997
+HK$5,608/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,778/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,465 · Scale 2, in force from 26 Feb 2026)