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$50,600
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,174
−HK$1,599/mo
Today · 4.125%
HK$53,773
baseline
▲ 0.50% · 4.625%
HK$57,045
+HK$3,272/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,546/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,292
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,801
−HK$1,532/mo
Today · 4.125%
HK$59,333
baseline
▲ 0.50% · 4.625%
HK$62,460
+HK$3,127/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,666/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,720
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,608
−HK$1,919/mo
Today · 4.125%
HK$64,527
baseline
▲ 0.50% · 4.625%
HK$68,453
+HK$3,926/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$129,054/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,550
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,362
−HK$1,837/mo
Today · 4.125%
HK$71,199
baseline
▲ 0.50% · 4.625%
HK$74,952
+HK$3,753/mo
Deposit HK$8.88M · loan HK$13.31M · min. income ≈ HK$142,398/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,839
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,043
−HK$2,239/mo
Today · 4.125%
HK$75,282
baseline
▲ 0.50% · 4.625%
HK$79,862
+HK$4,580/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$150,564/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,808
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,922
−HK$2,144/mo
Today · 4.125%
HK$83,066
baseline
▲ 0.50% · 4.625%
HK$87,444
+HK$4,378/mo
Deposit HK$6.66M · loan HK$15.53M · min. income ≈ HK$166,132/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,079
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,912
−HK$2,879/mo
Today · 4.125%
HK$96,791
baseline
▲ 0.50% · 4.625%
HK$102,680
+HK$5,889/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$193,582/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,325
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,042
−HK$2,757/mo
Today · 4.125%
HK$106,799
baseline
▲ 0.50% · 4.625%
HK$112,429
+HK$5,630/mo
Deposit HK$2.22M · loan HK$19.97M · min. income ≈ HK$213,598/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,089 · Scale 2, in force from 26 Feb 2026)