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$50,425
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,994
−HK$1,593/mo
Today · 4.125%
HK$53,587
baseline
▲ 0.50% · 4.625%
HK$56,848
+HK$3,261/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,174/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,098
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,602
−HK$1,526/mo
Today · 4.125%
HK$59,128
baseline
▲ 0.50% · 4.625%
HK$62,245
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,256/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,510
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,913/mo
Today · 4.125%
HK$64,305
baseline
▲ 0.50% · 4.625%
HK$68,218
+HK$3,913/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,610/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,317
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,122
−HK$1,832/mo
Today · 4.125%
HK$70,954
baseline
▲ 0.50% · 4.625%
HK$74,694
+HK$3,740/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,908/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,595
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,791
−HK$2,231/mo
Today · 4.125%
HK$75,022
baseline
▲ 0.50% · 4.625%
HK$79,587
+HK$4,565/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,044/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,537
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,643
−HK$2,137/mo
Today · 4.125%
HK$82,780
baseline
▲ 0.50% · 4.625%
HK$87,143
+HK$4,363/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,560/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,765
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,589
−HK$2,868/mo
Today · 4.125%
HK$96,457
baseline
▲ 0.50% · 4.625%
HK$102,326
+HK$5,869/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,914/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,976
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,684
−HK$2,747/mo
Today · 4.125%
HK$106,431
baseline
▲ 0.50% · 4.625%
HK$112,041
+HK$5,610/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,862/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,839 · Scale 2, in force from 26 Feb 2026)