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$50,651
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,226
−HK$1,601/mo
Today · 4.125%
HK$53,827
baseline
▲ 0.50% · 4.625%
HK$57,102
+HK$3,275/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,654/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,349
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,860
−HK$1,533/mo
Today · 4.125%
HK$59,393
baseline
▲ 0.50% · 4.625%
HK$62,524
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,786/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,781
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,672
−HK$1,921/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$68,523
+HK$3,930/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,618
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,432
−HK$1,839/mo
Today · 4.125%
HK$71,271
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$3,757/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,542/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,911
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,117
−HK$2,241/mo
Today · 4.125%
HK$75,358
baseline
▲ 0.50% · 4.625%
HK$79,943
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,716/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,888
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,004
−HK$2,146/mo
Today · 4.125%
HK$83,150
baseline
▲ 0.50% · 4.625%
HK$87,533
+HK$4,383/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,300/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,172
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,007
−HK$2,882/mo
Today · 4.125%
HK$96,889
baseline
▲ 0.50% · 4.625%
HK$102,784
+HK$5,895/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,778/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,427
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,148
−HK$2,759/mo
Today · 4.125%
HK$106,907
baseline
▲ 0.50% · 4.625%
HK$112,542
+HK$5,635/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,814/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,044 · Scale 2, in force from 26 Feb 2026)