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$50,376
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,943
−HK$1,592/mo
Today · 4.125%
HK$53,535
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$3,257/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,070/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,043
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,546
−HK$1,525/mo
Today · 4.125%
HK$59,071
baseline
▲ 0.50% · 4.625%
HK$62,184
+HK$3,113/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,142/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,332
−HK$1,910/mo
Today · 4.125%
HK$64,242
baseline
▲ 0.50% · 4.625%
HK$68,151
+HK$3,909/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,484/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,251
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,055
−HK$1,830/mo
Today · 4.125%
HK$70,885
baseline
▲ 0.50% · 4.625%
HK$74,621
+HK$3,736/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,770/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,526
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,720
−HK$2,229/mo
Today · 4.125%
HK$74,949
baseline
▲ 0.50% · 4.625%
HK$79,509
+HK$4,560/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$149,898/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,460
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,564
−HK$2,135/mo
Today · 4.125%
HK$82,699
baseline
▲ 0.50% · 4.625%
HK$87,058
+HK$4,359/mo
Deposit HK$6.63M · loan HK$15.46M · min. income ≈ HK$165,398/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,677
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,497
−HK$2,866/mo
Today · 4.125%
HK$96,363
baseline
▲ 0.50% · 4.625%
HK$102,226
+HK$5,863/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$192,726/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,877
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,582
−HK$2,745/mo
Today · 4.125%
HK$106,327
baseline
▲ 0.50% · 4.625%
HK$111,932
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.88M · min. income ≈ HK$212,654/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$938,920 · Scale 2, in force from 26 Feb 2026)