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$50,615
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,190
−HK$1,599/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$57,062
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,309
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,532/mo
Today · 4.125%
HK$59,351
baseline
▲ 0.50% · 4.625%
HK$62,480
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,702/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,738
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,628
−HK$1,919/mo
Today · 4.125%
HK$64,547
baseline
▲ 0.50% · 4.625%
HK$68,475
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,094/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,571
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,383
−HK$1,838/mo
Today · 4.125%
HK$71,221
baseline
▲ 0.50% · 4.625%
HK$74,976
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,442/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,861
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,066
−HK$2,239/mo
Today · 4.125%
HK$75,305
baseline
▲ 0.50% · 4.625%
HK$79,887
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,610/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,833
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,947
−HK$2,145/mo
Today · 4.125%
HK$83,092
baseline
▲ 0.50% · 4.625%
HK$87,472
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,184/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,108
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,941
−HK$2,880/mo
Today · 4.125%
HK$96,821
baseline
▲ 0.50% · 4.625%
HK$102,712
+HK$5,891/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,642/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,356
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,075
−HK$2,757/mo
Today · 4.125%
HK$106,832
baseline
▲ 0.50% · 4.625%
HK$112,463
+HK$5,631/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,664/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,381 · Scale 2, in force from 26 Feb 2026)