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$50,721
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,298
−HK$1,603/mo
Today · 4.125%
HK$53,901
baseline
▲ 0.50% · 4.625%
HK$57,181
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,802/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,426
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,940
−HK$1,535/mo
Today · 4.125%
HK$59,475
baseline
▲ 0.50% · 4.625%
HK$62,610
+HK$3,135/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,950/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,865
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,758
−HK$1,924/mo
Today · 4.125%
HK$64,682
baseline
▲ 0.50% · 4.625%
HK$68,617
+HK$3,935/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,364/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,712
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,528
−HK$1,842/mo
Today · 4.125%
HK$71,370
baseline
▲ 0.50% · 4.625%
HK$75,132
+HK$3,762/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,740/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,009
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$2,244/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$80,054
+HK$4,592/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,997
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,115
−HK$2,150/mo
Today · 4.125%
HK$83,265
baseline
▲ 0.50% · 4.625%
HK$87,654
+HK$4,389/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,530/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,297
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,137
−HK$2,885/mo
Today · 4.125%
HK$97,022
baseline
▲ 0.50% · 4.625%
HK$102,926
+HK$5,904/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,044/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,567
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,291
−HK$2,764/mo
Today · 4.125%
HK$107,055
baseline
▲ 0.50% · 4.625%
HK$112,698
+HK$5,643/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,110/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,347 · Scale 2, in force from 26 Feb 2026)