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$50,692
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,269
−HK$1,602/mo
Today · 4.125%
HK$53,871
baseline
▲ 0.50% · 4.625%
HK$57,148
+HK$3,277/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,742/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,394
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,907
−HK$1,534/mo
Today · 4.125%
HK$59,441
baseline
▲ 0.50% · 4.625%
HK$62,574
+HK$3,133/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,882/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,830
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,722
−HK$1,923/mo
Today · 4.125%
HK$64,645
baseline
▲ 0.50% · 4.625%
HK$68,578
+HK$3,933/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,290/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,673
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,488
−HK$1,841/mo
Today · 4.125%
HK$71,329
baseline
▲ 0.50% · 4.625%
HK$75,089
+HK$3,760/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,658/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,968
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,176
−HK$2,243/mo
Today · 4.125%
HK$75,419
baseline
▲ 0.50% · 4.625%
HK$80,008
+HK$4,589/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,838/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,952
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,069
−HK$2,148/mo
Today · 4.125%
HK$83,217
baseline
▲ 0.50% · 4.625%
HK$87,604
+HK$4,387/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,434/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,245
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,083
−HK$2,884/mo
Today · 4.125%
HK$96,967
baseline
▲ 0.50% · 4.625%
HK$102,867
+HK$5,900/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,934/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,509
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,232
−HK$2,762/mo
Today · 4.125%
HK$106,994
baseline
▲ 0.50% · 4.625%
HK$112,633
+HK$5,639/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,988/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,806 · Scale 2, in force from 26 Feb 2026)