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$50,418
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,593/mo
Today · 4.125%
HK$53,579
baseline
▲ 0.50% · 4.625%
HK$56,839
+HK$3,260/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$107,158/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,089
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,593
−HK$1,526/mo
Today · 4.125%
HK$59,119
baseline
▲ 0.50% · 4.625%
HK$62,236
+HK$3,117/mo
Deposit HK$11.06M · loan HK$11.06M · min. income ≈ HK$118,238/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,501
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,383
−HK$1,912/mo
Today · 4.125%
HK$64,295
baseline
▲ 0.50% · 4.625%
HK$68,207
+HK$3,912/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$128,590/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,307
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,112
−HK$1,831/mo
Today · 4.125%
HK$70,943
baseline
▲ 0.50% · 4.625%
HK$74,683
+HK$3,740/mo
Deposit HK$8.84M · loan HK$13.27M · min. income ≈ HK$141,886/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,585
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,780
−HK$2,231/mo
Today · 4.125%
HK$75,011
baseline
▲ 0.50% · 4.625%
HK$79,575
+HK$4,564/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$150,022/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,525
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,631
−HK$2,136/mo
Today · 4.125%
HK$82,767
baseline
▲ 0.50% · 4.625%
HK$87,130
+HK$4,363/mo
Deposit HK$6.63M · loan HK$15.48M · min. income ≈ HK$165,534/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,752
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,575
−HK$2,868/mo
Today · 4.125%
HK$96,443
baseline
▲ 0.50% · 4.625%
HK$102,311
+HK$5,868/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$192,886/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,960
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,668
−HK$2,747/mo
Today · 4.125%
HK$106,415
baseline
▲ 0.50% · 4.625%
HK$112,024
+HK$5,609/mo
Deposit HK$2.21M · loan HK$19.90M · min. income ≈ HK$212,830/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,696 · Scale 2, in force from 26 Feb 2026)