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$50,635
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,210
−HK$1,600/mo
Today · 4.125%
HK$53,810
baseline
▲ 0.50% · 4.625%
HK$57,084
+HK$3,274/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,620/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,330
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,533/mo
Today · 4.125%
HK$59,374
baseline
▲ 0.50% · 4.625%
HK$62,504
+HK$3,130/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,748/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,762
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,652
−HK$1,920/mo
Today · 4.125%
HK$64,572
baseline
▲ 0.50% · 4.625%
HK$68,501
+HK$3,929/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,144/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,597
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,409
−HK$1,840/mo
Today · 4.125%
HK$71,249
baseline
▲ 0.50% · 4.625%
HK$75,004
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,498/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,888
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,093
−HK$2,241/mo
Today · 4.125%
HK$75,334
baseline
▲ 0.50% · 4.625%
HK$79,918
+HK$4,584/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,668/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,863
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,978
−HK$2,145/mo
Today · 4.125%
HK$83,123
baseline
▲ 0.50% · 4.625%
HK$87,505
+HK$4,382/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,246/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,142
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,977
−HK$2,881/mo
Today · 4.125%
HK$96,858
baseline
▲ 0.50% · 4.625%
HK$102,751
+HK$5,893/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,716/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,395
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,114
−HK$2,759/mo
Today · 4.125%
HK$106,873
baseline
▲ 0.50% · 4.625%
HK$112,506
+HK$5,633/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,746/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,741 · Scale 2, in force from 26 Feb 2026)