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$50,642
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,600/mo
Today · 4.125%
HK$53,817
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$3,275/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,634/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,338
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,849
−HK$1,533/mo
Today · 4.125%
HK$59,382
baseline
▲ 0.50% · 4.625%
HK$62,512
+HK$3,130/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,764/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,770
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,660
−HK$1,921/mo
Today · 4.125%
HK$64,581
baseline
▲ 0.50% · 4.625%
HK$68,510
+HK$3,929/mo
Deposit HK$8.88M · loan HK$13.33M · min. income ≈ HK$129,162/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,606
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,419
−HK$1,840/mo
Today · 4.125%
HK$71,259
baseline
▲ 0.50% · 4.625%
HK$75,015
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.33M · min. income ≈ HK$142,518/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,898
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,104
−HK$2,240/mo
Today · 4.125%
HK$75,344
baseline
▲ 0.50% · 4.625%
HK$79,929
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,688/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,874
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,989
−HK$2,146/mo
Today · 4.125%
HK$83,135
baseline
▲ 0.50% · 4.625%
HK$87,517
+HK$4,382/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,270/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,155
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,990
−HK$2,881/mo
Today · 4.125%
HK$96,871
baseline
▲ 0.50% · 4.625%
HK$102,766
+HK$5,895/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,742/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,409
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,129
−HK$2,759/mo
Today · 4.125%
HK$106,888
baseline
▲ 0.50% · 4.625%
HK$112,522
+HK$5,634/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,776/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,873 · Scale 2, in force from 26 Feb 2026)