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$50,375
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,942
−HK$1,592/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,791
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,042
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,545
−HK$1,524/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,183
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,450
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,911/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$1,829/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,525
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,719
−HK$2,228/mo
Today · 4.125%
HK$74,947
baseline
▲ 0.50% · 4.625%
HK$79,508
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,894/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,458
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,562
−HK$2,135/mo
Today · 4.125%
HK$82,697
baseline
▲ 0.50% · 4.625%
HK$87,056
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,394/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,675
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,495
−HK$2,866/mo
Today · 4.125%
HK$96,361
baseline
▲ 0.50% · 4.625%
HK$102,224
+HK$5,863/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,722/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,875
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,580
−HK$2,745/mo
Today · 4.125%
HK$106,325
baseline
▲ 0.50% · 4.625%
HK$111,929
+HK$5,604/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,650/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,901 · Scale 2, in force from 26 Feb 2026)