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$50,612
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,599/mo
Today · 4.125%
HK$53,786
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,572/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,306
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,816
−HK$1,532/mo
Today · 4.125%
HK$59,348
baseline
▲ 0.50% · 4.625%
HK$62,476
+HK$3,128/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,696/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,735
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,624
−HK$1,920/mo
Today · 4.125%
HK$64,544
baseline
▲ 0.50% · 4.625%
HK$68,471
+HK$3,927/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,088/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,567
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,379
−HK$1,838/mo
Today · 4.125%
HK$71,217
baseline
▲ 0.50% · 4.625%
HK$74,971
+HK$3,754/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,434/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,857
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,061
−HK$2,240/mo
Today · 4.125%
HK$75,301
baseline
▲ 0.50% · 4.625%
HK$79,883
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,602/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,828
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,942
−HK$2,145/mo
Today · 4.125%
HK$83,087
baseline
▲ 0.50% · 4.625%
HK$87,467
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,174/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,102
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,936
−HK$2,879/mo
Today · 4.125%
HK$96,815
baseline
▲ 0.50% · 4.625%
HK$102,706
+HK$5,891/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,630/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,351
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,069
−HK$2,757/mo
Today · 4.125%
HK$106,826
baseline
▲ 0.50% · 4.625%
HK$112,457
+HK$5,631/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,652/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,328 · Scale 2, in force from 26 Feb 2026)