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$50,649
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,601/mo
Today · 4.125%
HK$53,825
baseline
▲ 0.50% · 4.625%
HK$57,100
+HK$3,275/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,650/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,346
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,857
−HK$1,533/mo
Today · 4.125%
HK$59,390
baseline
▲ 0.50% · 4.625%
HK$62,521
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,780/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,778
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,921/mo
Today · 4.125%
HK$64,590
baseline
▲ 0.50% · 4.625%
HK$68,520
+HK$3,930/mo
Deposit HK$8.88M · loan HK$13.33M · min. income ≈ HK$129,180/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,429
−HK$1,839/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$3,757/mo
Deposit HK$8.88M · loan HK$13.33M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,908
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,114
−HK$2,241/mo
Today · 4.125%
HK$75,355
baseline
▲ 0.50% · 4.625%
HK$79,940
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,710/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,884
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,000
−HK$2,146/mo
Today · 4.125%
HK$83,146
baseline
▲ 0.50% · 4.625%
HK$87,529
+HK$4,383/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,292/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,167
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,003
−HK$2,881/mo
Today · 4.125%
HK$96,884
baseline
▲ 0.50% · 4.625%
HK$102,780
+HK$5,896/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,768/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,423
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,143
−HK$2,759/mo
Today · 4.125%
HK$106,902
baseline
▲ 0.50% · 4.625%
HK$112,537
+HK$5,635/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,804/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,002 · Scale 2, in force from 26 Feb 2026)