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$50,725
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,603/mo
Today · 4.125%
HK$53,906
baseline
▲ 0.50% · 4.625%
HK$57,186
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,812/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,431
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,945
−HK$1,535/mo
Today · 4.125%
HK$59,480
baseline
▲ 0.50% · 4.625%
HK$62,615
+HK$3,135/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,960/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,870
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,764
−HK$1,923/mo
Today · 4.125%
HK$64,687
baseline
▲ 0.50% · 4.625%
HK$68,623
+HK$3,936/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,374/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,718
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,534
−HK$1,842/mo
Today · 4.125%
HK$71,376
baseline
▲ 0.50% · 4.625%
HK$75,138
+HK$3,762/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,752/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,015
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,224
−HK$2,245/mo
Today · 4.125%
HK$75,469
baseline
▲ 0.50% · 4.625%
HK$80,061
+HK$4,592/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,938/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,004
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,123
−HK$2,149/mo
Today · 4.125%
HK$83,272
baseline
▲ 0.50% · 4.625%
HK$87,662
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,544/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,305
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,146
−HK$2,885/mo
Today · 4.125%
HK$97,031
baseline
▲ 0.50% · 4.625%
HK$102,935
+HK$5,904/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,062/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,576
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,301
−HK$2,763/mo
Today · 4.125%
HK$107,064
baseline
▲ 0.50% · 4.625%
HK$112,708
+HK$5,644/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,128/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,430 · Scale 2, in force from 26 Feb 2026)