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$50,653
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,228
−HK$1,601/mo
Today · 4.125%
HK$53,829
baseline
▲ 0.50% · 4.625%
HK$57,104
+HK$3,275/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,658/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,351
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,862
−HK$1,533/mo
Today · 4.125%
HK$59,395
baseline
▲ 0.50% · 4.625%
HK$62,526
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,790/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,783
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,674
−HK$1,921/mo
Today · 4.125%
HK$64,595
baseline
▲ 0.50% · 4.625%
HK$68,525
+HK$3,930/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,190/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,621
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,434
−HK$1,840/mo
Today · 4.125%
HK$71,274
baseline
▲ 0.50% · 4.625%
HK$75,031
+HK$3,757/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,548/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,914
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,120
−HK$2,241/mo
Today · 4.125%
HK$75,361
baseline
▲ 0.50% · 4.625%
HK$79,946
+HK$4,585/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,722/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,891
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,007
−HK$2,146/mo
Today · 4.125%
HK$83,153
baseline
▲ 0.50% · 4.625%
HK$87,536
+HK$4,383/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,306/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,175
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,011
−HK$2,881/mo
Today · 4.125%
HK$96,892
baseline
▲ 0.50% · 4.625%
HK$102,788
+HK$5,896/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,784/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,431
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,151
−HK$2,760/mo
Today · 4.125%
HK$106,911
baseline
▲ 0.50% · 4.625%
HK$112,546
+HK$5,635/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,822/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,078 · Scale 2, in force from 26 Feb 2026)