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$50,382
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,949
−HK$1,592/mo
Today · 4.125%
HK$53,541
baseline
▲ 0.50% · 4.625%
HK$56,799
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,082/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,049
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,552
−HK$1,525/mo
Today · 4.125%
HK$59,077
baseline
▲ 0.50% · 4.625%
HK$62,191
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,154/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,338
−HK$1,911/mo
Today · 4.125%
HK$64,249
baseline
▲ 0.50% · 4.625%
HK$68,159
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,498/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,259
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,063
−HK$1,830/mo
Today · 4.125%
HK$70,893
baseline
▲ 0.50% · 4.625%
HK$74,629
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,786/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,534
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,728
−HK$2,229/mo
Today · 4.125%
HK$74,957
baseline
▲ 0.50% · 4.625%
HK$79,518
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,914/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,469
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,573
−HK$2,135/mo
Today · 4.125%
HK$82,708
baseline
▲ 0.50% · 4.625%
HK$87,068
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,416/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,687
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,508
−HK$2,866/mo
Today · 4.125%
HK$96,374
baseline
▲ 0.50% · 4.625%
HK$102,238
+HK$5,864/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,748/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,888
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,594
−HK$2,745/mo
Today · 4.125%
HK$106,339
baseline
▲ 0.50% · 4.625%
HK$111,944
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,678/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,025 · Scale 2, in force from 26 Feb 2026)