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$50,385
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,952
−HK$1,592/mo
Today · 4.125%
HK$53,544
baseline
▲ 0.50% · 4.625%
HK$56,802
+HK$3,258/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$107,088/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,053
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,556
−HK$1,525/mo
Today · 4.125%
HK$59,081
baseline
▲ 0.50% · 4.625%
HK$62,195
+HK$3,114/mo
Deposit HK$11.05M · loan HK$11.05M · min. income ≈ HK$118,162/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,462
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,342
−HK$1,911/mo
Today · 4.125%
HK$64,253
baseline
▲ 0.50% · 4.625%
HK$68,163
+HK$3,910/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$128,506/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,263
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,067
−HK$1,830/mo
Today · 4.125%
HK$70,897
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$3,737/mo
Deposit HK$8.84M · loan HK$13.26M · min. income ≈ HK$141,794/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,539
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,733
−HK$2,229/mo
Today · 4.125%
HK$74,962
baseline
▲ 0.50% · 4.625%
HK$79,523
+HK$4,561/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$149,924/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,474
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,578
−HK$2,135/mo
Today · 4.125%
HK$82,713
baseline
▲ 0.50% · 4.625%
HK$87,073
+HK$4,360/mo
Deposit HK$6.63M · loan HK$15.47M · min. income ≈ HK$165,426/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,693
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,514
−HK$2,866/mo
Today · 4.125%
HK$96,380
baseline
▲ 0.50% · 4.625%
HK$102,244
+HK$5,864/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$192,760/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,895
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,601
−HK$2,745/mo
Today · 4.125%
HK$106,346
baseline
▲ 0.50% · 4.625%
HK$111,951
+HK$5,605/mo
Deposit HK$2.21M · loan HK$19.89M · min. income ≈ HK$212,692/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$939,085 · Scale 2, in force from 26 Feb 2026)