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$50,444
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,013
−HK$1,594/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,869
+HK$3,262/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,118
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,623
−HK$1,527/mo
Today · 4.125%
HK$59,150
baseline
▲ 0.50% · 4.625%
HK$62,268
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,300/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,533
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,415
−HK$1,913/mo
Today · 4.125%
HK$64,328
baseline
▲ 0.50% · 4.625%
HK$68,243
+HK$3,915/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,656/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,342
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,148
−HK$1,832/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$74,722
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,621
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,818
−HK$2,232/mo
Today · 4.125%
HK$75,050
baseline
▲ 0.50% · 4.625%
HK$79,616
+HK$4,566/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,100/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,565
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,673
−HK$2,137/mo
Today · 4.125%
HK$82,810
baseline
▲ 0.50% · 4.625%
HK$87,175
+HK$4,365/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,620/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,799
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,623
−HK$2,870/mo
Today · 4.125%
HK$96,493
baseline
▲ 0.50% · 4.625%
HK$102,364
+HK$5,871/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$192,986/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,013
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,722
−HK$2,748/mo
Today · 4.125%
HK$106,470
baseline
▲ 0.50% · 4.625%
HK$112,082
+HK$5,612/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,940/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,184 · Scale 2, in force from 26 Feb 2026)