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$50,611
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,185
−HK$1,600/mo
Today · 4.125%
HK$53,785
baseline
▲ 0.50% · 4.625%
HK$57,057
+HK$3,272/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,570/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,304
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,814
−HK$1,532/mo
Today · 4.125%
HK$59,346
baseline
▲ 0.50% · 4.625%
HK$62,474
+HK$3,128/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,692/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,733
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,622
−HK$1,920/mo
Today · 4.125%
HK$64,542
baseline
▲ 0.50% · 4.625%
HK$68,469
+HK$3,927/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,084/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,565
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,377
−HK$1,838/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$74,969
+HK$3,754/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,855
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,059
−HK$2,240/mo
Today · 4.125%
HK$75,299
baseline
▲ 0.50% · 4.625%
HK$79,880
+HK$4,581/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,598/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,826
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,940
−HK$2,145/mo
Today · 4.125%
HK$83,085
baseline
▲ 0.50% · 4.625%
HK$87,464
+HK$4,379/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,170/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,100
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,933
−HK$2,880/mo
Today · 4.125%
HK$96,813
baseline
▲ 0.50% · 4.625%
HK$102,703
+HK$5,890/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,626/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,348
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,066
−HK$2,757/mo
Today · 4.125%
HK$106,823
baseline
▲ 0.50% · 4.625%
HK$112,454
+HK$5,631/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,646/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,301 · Scale 2, in force from 26 Feb 2026)