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$50,429
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,997
−HK$1,594/mo
Today · 4.125%
HK$53,591
baseline
▲ 0.50% · 4.625%
HK$56,852
+HK$3,261/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,182/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,102
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,606
−HK$1,527/mo
Today · 4.125%
HK$59,133
baseline
▲ 0.50% · 4.625%
HK$62,250
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,266/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,515
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,397
−HK$1,912/mo
Today · 4.125%
HK$64,309
baseline
▲ 0.50% · 4.625%
HK$68,222
+HK$3,913/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$128,618/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,322
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,127
−HK$1,832/mo
Today · 4.125%
HK$70,959
baseline
▲ 0.50% · 4.625%
HK$74,699
+HK$3,740/mo
Deposit HK$8.85M · loan HK$13.27M · min. income ≈ HK$141,918/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,600
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,796
−HK$2,232/mo
Today · 4.125%
HK$75,028
baseline
▲ 0.50% · 4.625%
HK$79,593
+HK$4,565/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,056/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,542
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,649
−HK$2,137/mo
Today · 4.125%
HK$82,786
baseline
▲ 0.50% · 4.625%
HK$87,149
+HK$4,363/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,572/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,772
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,595
−HK$2,869/mo
Today · 4.125%
HK$96,464
baseline
▲ 0.50% · 4.625%
HK$102,334
+HK$5,870/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,928/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,983
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,691
−HK$2,748/mo
Today · 4.125%
HK$106,439
baseline
▲ 0.50% · 4.625%
HK$112,049
+HK$5,610/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,878/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,906 · Scale 2, in force from 26 Feb 2026)