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$50,709
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,286
−HK$1,603/mo
Today · 4.125%
HK$53,889
baseline
▲ 0.50% · 4.625%
HK$57,168
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,778/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,413
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,926
−HK$1,535/mo
Today · 4.125%
HK$59,461
baseline
▲ 0.50% · 4.625%
HK$62,595
+HK$3,134/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,922/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,851
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,744
−HK$1,923/mo
Today · 4.125%
HK$64,667
baseline
▲ 0.50% · 4.625%
HK$68,602
+HK$3,935/mo
Deposit HK$8.90M · loan HK$13.34M · min. income ≈ HK$129,334/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,696
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,512
−HK$1,841/mo
Today · 4.125%
HK$71,353
baseline
▲ 0.50% · 4.625%
HK$75,115
+HK$3,762/mo
Deposit HK$8.90M · loan HK$13.34M · min. income ≈ HK$142,706/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,993
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,201
−HK$2,244/mo
Today · 4.125%
HK$75,445
baseline
▲ 0.50% · 4.625%
HK$80,035
+HK$4,590/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,890/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,979
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,097
−HK$2,149/mo
Today · 4.125%
HK$83,246
baseline
▲ 0.50% · 4.625%
HK$87,634
+HK$4,388/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,492/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,276
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,116
−HK$2,884/mo
Today · 4.125%
HK$97,000
baseline
▲ 0.50% · 4.625%
HK$102,902
+HK$5,902/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$194,000/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,544
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,267
−HK$2,763/mo
Today · 4.125%
HK$107,030
baseline
▲ 0.50% · 4.625%
HK$112,672
+HK$5,642/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$214,060/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,129 · Scale 2, in force from 26 Feb 2026)