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$50,701
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,278
−HK$1,602/mo
Today · 4.125%
HK$53,880
baseline
▲ 0.50% · 4.625%
HK$57,159
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,760/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,404
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,917
−HK$1,534/mo
Today · 4.125%
HK$59,451
baseline
▲ 0.50% · 4.625%
HK$62,585
+HK$3,134/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,902/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,841
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,733
−HK$1,923/mo
Today · 4.125%
HK$64,656
baseline
▲ 0.50% · 4.625%
HK$68,590
+HK$3,934/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,312/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,685
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,500
−HK$1,842/mo
Today · 4.125%
HK$71,342
baseline
▲ 0.50% · 4.625%
HK$75,102
+HK$3,760/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,684/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,981
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,189
−HK$2,243/mo
Today · 4.125%
HK$75,432
baseline
▲ 0.50% · 4.625%
HK$80,022
+HK$4,590/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,864/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,966
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,084
−HK$2,148/mo
Today · 4.125%
HK$83,232
baseline
▲ 0.50% · 4.625%
HK$87,619
+HK$4,387/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,464/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,261
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,100
−HK$2,884/mo
Today · 4.125%
HK$96,984
baseline
▲ 0.50% · 4.625%
HK$102,886
+HK$5,902/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,968/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,527
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,250
−HK$2,763/mo
Today · 4.125%
HK$107,013
baseline
▲ 0.50% · 4.625%
HK$112,653
+HK$5,640/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$214,026/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,974 · Scale 2, in force from 26 Feb 2026)