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$50,611
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,185
−HK$1,599/mo
Today · 4.125%
HK$53,784
baseline
▲ 0.50% · 4.625%
HK$57,057
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,568/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,304
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,814
−HK$1,532/mo
Today · 4.125%
HK$59,346
baseline
▲ 0.50% · 4.625%
HK$62,474
+HK$3,128/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,692/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,733
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,622
−HK$1,919/mo
Today · 4.125%
HK$64,541
baseline
▲ 0.50% · 4.625%
HK$68,468
+HK$3,927/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,082/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,565
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,377
−HK$1,838/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$74,969
+HK$3,754/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,855
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,059
−HK$2,239/mo
Today · 4.125%
HK$75,298
baseline
▲ 0.50% · 4.625%
HK$79,880
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,596/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,825
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,939
−HK$2,145/mo
Today · 4.125%
HK$83,084
baseline
▲ 0.50% · 4.625%
HK$87,464
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,168/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,099
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,933
−HK$2,879/mo
Today · 4.125%
HK$96,812
baseline
▲ 0.50% · 4.625%
HK$102,703
+HK$5,891/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,624/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,347
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,065
−HK$2,757/mo
Today · 4.125%
HK$106,822
baseline
▲ 0.50% · 4.625%
HK$112,453
+HK$5,631/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,644/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,295 · Scale 2, in force from 26 Feb 2026)