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$50,735
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,604/mo
Today · 4.125%
HK$53,917
baseline
▲ 0.50% · 4.625%
HK$57,197
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,834/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,442
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,536/mo
Today · 4.125%
HK$59,492
baseline
▲ 0.50% · 4.625%
HK$62,628
+HK$3,136/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,984/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,776
−HK$1,924/mo
Today · 4.125%
HK$64,700
baseline
▲ 0.50% · 4.625%
HK$68,637
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,400/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,731
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$1,843/mo
Today · 4.125%
HK$71,390
baseline
▲ 0.50% · 4.625%
HK$75,153
+HK$3,763/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,780/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,029
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,239
−HK$2,244/mo
Today · 4.125%
HK$75,483
baseline
▲ 0.50% · 4.625%
HK$80,076
+HK$4,593/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,966/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,019
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,139
−HK$2,150/mo
Today · 4.125%
HK$83,289
baseline
▲ 0.50% · 4.625%
HK$87,679
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,578/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,323
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,164
−HK$2,886/mo
Today · 4.125%
HK$97,050
baseline
▲ 0.50% · 4.625%
HK$102,955
+HK$5,905/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,100/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,596
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,321
−HK$2,764/mo
Today · 4.125%
HK$107,085
baseline
▲ 0.50% · 4.625%
HK$112,730
+HK$5,645/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,170/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,616 · Scale 2, in force from 26 Feb 2026)