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$50,396
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,593/mo
Today · 4.125%
HK$53,557
baseline
▲ 0.50% · 4.625%
HK$56,815
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,114/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,065
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,569
−HK$1,526/mo
Today · 4.125%
HK$59,095
baseline
▲ 0.50% · 4.625%
HK$62,209
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,190/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,476
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,911/mo
Today · 4.125%
HK$64,268
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,911/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,536/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,083
−HK$1,830/mo
Today · 4.125%
HK$70,913
baseline
▲ 0.50% · 4.625%
HK$74,651
+HK$3,738/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,826/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,555
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,750
−HK$2,229/mo
Today · 4.125%
HK$74,979
baseline
▲ 0.50% · 4.625%
HK$79,542
+HK$4,563/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,958/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,492
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,597
−HK$2,135/mo
Today · 4.125%
HK$82,732
baseline
▲ 0.50% · 4.625%
HK$87,093
+HK$4,361/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,464/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,713
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,535
−HK$2,867/mo
Today · 4.125%
HK$96,402
baseline
▲ 0.50% · 4.625%
HK$102,268
+HK$5,866/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,804/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,918
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,624
−HK$2,746/mo
Today · 4.125%
HK$106,370
baseline
▲ 0.50% · 4.625%
HK$111,977
+HK$5,607/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,740/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,301 · Scale 2, in force from 26 Feb 2026)