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$50,401
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,969
−HK$1,593/mo
Today · 4.125%
HK$53,562
baseline
▲ 0.50% · 4.625%
HK$56,821
+HK$3,259/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,124/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,071
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,575
−HK$1,525/mo
Today · 4.125%
HK$59,100
baseline
▲ 0.50% · 4.625%
HK$62,215
+HK$3,115/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,200/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,481
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,363
−HK$1,911/mo
Today · 4.125%
HK$64,274
baseline
▲ 0.50% · 4.625%
HK$68,185
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,548/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,285
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,089
−HK$1,831/mo
Today · 4.125%
HK$70,920
baseline
▲ 0.50% · 4.625%
HK$74,658
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,840/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,562
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,756
−HK$2,230/mo
Today · 4.125%
HK$74,986
baseline
▲ 0.50% · 4.625%
HK$79,549
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,972/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,499
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,604
−HK$2,136/mo
Today · 4.125%
HK$82,740
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,361/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,480/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,722
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,544
−HK$2,867/mo
Today · 4.125%
HK$96,411
baseline
▲ 0.50% · 4.625%
HK$102,277
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,822/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,927
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,634
−HK$2,746/mo
Today · 4.125%
HK$106,380
baseline
▲ 0.50% · 4.625%
HK$111,988
+HK$5,608/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,760/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,390 · Scale 2, in force from 26 Feb 2026)