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$50,609
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,183
−HK$1,600/mo
Today · 4.125%
HK$53,783
baseline
▲ 0.50% · 4.625%
HK$57,055
+HK$3,272/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,566/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,302
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,812
−HK$1,532/mo
Today · 4.125%
HK$59,344
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,128/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,688/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,731
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,620
−HK$1,919/mo
Today · 4.125%
HK$64,539
baseline
▲ 0.50% · 4.625%
HK$68,466
+HK$3,927/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,078/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,563
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$1,838/mo
Today · 4.125%
HK$71,213
baseline
▲ 0.50% · 4.625%
HK$74,966
+HK$3,753/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,426/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,853
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,057
−HK$2,239/mo
Today · 4.125%
HK$75,296
baseline
▲ 0.50% · 4.625%
HK$79,877
+HK$4,581/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,592/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,823
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,937
−HK$2,145/mo
Today · 4.125%
HK$83,082
baseline
▲ 0.50% · 4.625%
HK$87,461
+HK$4,379/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,164/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,096
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,930
−HK$2,879/mo
Today · 4.125%
HK$96,809
baseline
▲ 0.50% · 4.625%
HK$102,700
+HK$5,891/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,618/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,344
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,062
−HK$2,757/mo
Today · 4.125%
HK$106,819
baseline
▲ 0.50% · 4.625%
HK$112,450
+HK$5,631/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,638/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,266 · Scale 2, in force from 26 Feb 2026)