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$50,710
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,287
−HK$1,603/mo
Today · 4.125%
HK$53,890
baseline
▲ 0.50% · 4.625%
HK$57,169
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,780/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,414
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,927
−HK$1,535/mo
Today · 4.125%
HK$59,462
baseline
▲ 0.50% · 4.625%
HK$62,596
+HK$3,134/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,924/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,852
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,745
−HK$1,923/mo
Today · 4.125%
HK$64,668
baseline
▲ 0.50% · 4.625%
HK$68,603
+HK$3,935/mo
Deposit HK$8.90M · loan HK$13.34M · min. income ≈ HK$129,336/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,697
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,513
−HK$1,842/mo
Today · 4.125%
HK$71,355
baseline
▲ 0.50% · 4.625%
HK$75,116
+HK$3,761/mo
Deposit HK$8.90M · loan HK$13.34M · min. income ≈ HK$142,710/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,994
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,202
−HK$2,244/mo
Today · 4.125%
HK$75,446
baseline
▲ 0.50% · 4.625%
HK$80,036
+HK$4,590/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,892/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,980
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,098
−HK$2,149/mo
Today · 4.125%
HK$83,247
baseline
▲ 0.50% · 4.625%
HK$87,635
+HK$4,388/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,494/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,278
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,117
−HK$2,885/mo
Today · 4.125%
HK$97,002
baseline
▲ 0.50% · 4.625%
HK$102,904
+HK$5,902/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$194,004/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,546
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,269
−HK$2,763/mo
Today · 4.125%
HK$107,032
baseline
▲ 0.50% · 4.625%
HK$112,674
+HK$5,642/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$214,064/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,144 · Scale 2, in force from 26 Feb 2026)