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$50,450
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,019
−HK$1,594/mo
Today · 4.125%
HK$53,613
baseline
▲ 0.50% · 4.625%
HK$56,875
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,226/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,125
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,630
−HK$1,527/mo
Today · 4.125%
HK$59,157
baseline
▲ 0.50% · 4.625%
HK$62,275
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,314/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,539
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,423
−HK$1,913/mo
Today · 4.125%
HK$64,336
baseline
▲ 0.50% · 4.625%
HK$68,250
+HK$3,914/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,672/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,350
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,156
−HK$1,832/mo
Today · 4.125%
HK$70,988
baseline
▲ 0.50% · 4.625%
HK$74,730
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,976/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,629
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,826
−HK$2,232/mo
Today · 4.125%
HK$75,058
baseline
▲ 0.50% · 4.625%
HK$79,626
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,116/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,574
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,682
−HK$2,138/mo
Today · 4.125%
HK$82,820
baseline
▲ 0.50% · 4.625%
HK$87,185
+HK$4,365/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,640/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,809
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,634
−HK$2,870/mo
Today · 4.125%
HK$96,504
baseline
▲ 0.50% · 4.625%
HK$102,376
+HK$5,872/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$193,008/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,024
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,734
−HK$2,748/mo
Today · 4.125%
HK$106,482
baseline
▲ 0.50% · 4.625%
HK$112,095
+HK$5,613/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,964/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,292 · Scale 2, in force from 26 Feb 2026)