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$50,640
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,600/mo
Today · 4.125%
HK$53,816
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$3,274/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,632/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,337
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,848
−HK$1,533/mo
Today · 4.125%
HK$59,381
baseline
▲ 0.50% · 4.625%
HK$62,511
+HK$3,130/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,762/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,768
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,659
−HK$1,920/mo
Today · 4.125%
HK$64,579
baseline
▲ 0.50% · 4.625%
HK$68,509
+HK$3,930/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,158/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,604
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,417
−HK$1,840/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,013
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,896
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,102
−HK$2,240/mo
Today · 4.125%
HK$75,342
baseline
▲ 0.50% · 4.625%
HK$79,927
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,684/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,872
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,987
−HK$2,146/mo
Today · 4.125%
HK$83,133
baseline
▲ 0.50% · 4.625%
HK$87,515
+HK$4,382/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,266/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,153
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,988
−HK$2,881/mo
Today · 4.125%
HK$96,869
baseline
▲ 0.50% · 4.625%
HK$102,763
+HK$5,894/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,738/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,406
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,126
−HK$2,759/mo
Today · 4.125%
HK$106,885
baseline
▲ 0.50% · 4.625%
HK$112,519
+HK$5,634/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,770/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,848 · Scale 2, in force from 26 Feb 2026)