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$50,619
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,194
−HK$1,600/mo
Today · 4.125%
HK$53,794
baseline
▲ 0.50% · 4.625%
HK$57,067
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,588/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,824
−HK$1,532/mo
Today · 4.125%
HK$59,356
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,712/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,743
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,633
−HK$1,919/mo
Today · 4.125%
HK$64,552
baseline
▲ 0.50% · 4.625%
HK$68,480
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,104/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,576
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,388
−HK$1,839/mo
Today · 4.125%
HK$71,227
baseline
▲ 0.50% · 4.625%
HK$74,981
+HK$3,754/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,454/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,867
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$2,240/mo
Today · 4.125%
HK$75,311
baseline
▲ 0.50% · 4.625%
HK$79,893
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,622/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,839
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,953
−HK$2,145/mo
Today · 4.125%
HK$83,098
baseline
▲ 0.50% · 4.625%
HK$87,478
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,196/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,115
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,949
−HK$2,879/mo
Today · 4.125%
HK$96,828
baseline
▲ 0.50% · 4.625%
HK$102,720
+HK$5,892/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,656/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,364
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,083
−HK$2,757/mo
Today · 4.125%
HK$106,840
baseline
▲ 0.50% · 4.625%
HK$112,472
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,680/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,455 · Scale 2, in force from 26 Feb 2026)