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$50,630
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,205
−HK$1,600/mo
Today · 4.125%
HK$53,805
baseline
▲ 0.50% · 4.625%
HK$57,079
+HK$3,274/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,610/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,326
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,836
−HK$1,533/mo
Today · 4.125%
HK$59,369
baseline
▲ 0.50% · 4.625%
HK$62,498
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,738/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,756
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,646
−HK$1,920/mo
Today · 4.125%
HK$64,566
baseline
▲ 0.50% · 4.625%
HK$68,495
+HK$3,929/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,132/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,591
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,403
−HK$1,839/mo
Today · 4.125%
HK$71,242
baseline
▲ 0.50% · 4.625%
HK$74,998
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,484/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,882
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,087
−HK$2,240/mo
Today · 4.125%
HK$75,327
baseline
▲ 0.50% · 4.625%
HK$79,911
+HK$4,584/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,654/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,856
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,971
−HK$2,145/mo
Today · 4.125%
HK$83,116
baseline
▲ 0.50% · 4.625%
HK$87,497
+HK$4,381/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,232/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,134
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,969
−HK$2,880/mo
Today · 4.125%
HK$96,849
baseline
▲ 0.50% · 4.625%
HK$102,742
+HK$5,893/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,698/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,386
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,105
−HK$2,759/mo
Today · 4.125%
HK$106,864
baseline
▲ 0.50% · 4.625%
HK$112,496
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,728/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,658 · Scale 2, in force from 26 Feb 2026)