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$50,440
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,009
−HK$1,594/mo
Today · 4.125%
HK$53,603
baseline
▲ 0.50% · 4.625%
HK$56,864
+HK$3,261/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,206/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,114
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,619
−HK$1,526/mo
Today · 4.125%
HK$59,145
baseline
▲ 0.50% · 4.625%
HK$62,263
+HK$3,118/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,290/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,528
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,411
−HK$1,912/mo
Today · 4.125%
HK$64,323
baseline
▲ 0.50% · 4.625%
HK$68,237
+HK$3,914/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,646/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,337
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,142
−HK$1,833/mo
Today · 4.125%
HK$70,975
baseline
▲ 0.50% · 4.625%
HK$74,716
+HK$3,741/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,950/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,616
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,812
−HK$2,232/mo
Today · 4.125%
HK$75,044
baseline
▲ 0.50% · 4.625%
HK$79,610
+HK$4,566/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$150,088/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,559
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,666
−HK$2,138/mo
Today · 4.125%
HK$82,804
baseline
▲ 0.50% · 4.625%
HK$87,168
+HK$4,364/mo
Deposit HK$6.64M · loan HK$15.48M · min. income ≈ HK$165,608/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,792
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,616
−HK$2,869/mo
Today · 4.125%
HK$96,485
baseline
▲ 0.50% · 4.625%
HK$102,356
+HK$5,871/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$192,970/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,005
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,714
−HK$2,748/mo
Today · 4.125%
HK$106,462
baseline
▲ 0.50% · 4.625%
HK$112,073
+HK$5,611/mo
Deposit HK$2.21M · loan HK$19.91M · min. income ≈ HK$212,924/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,110 · Scale 2, in force from 26 Feb 2026)