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$50,735
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,603/mo
Today · 4.125%
HK$53,916
baseline
▲ 0.50% · 4.625%
HK$57,197
+HK$3,281/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,832/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,442
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,956
−HK$1,535/mo
Today · 4.125%
HK$59,491
baseline
▲ 0.50% · 4.625%
HK$62,627
+HK$3,136/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,982/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,775
−HK$1,924/mo
Today · 4.125%
HK$64,699
baseline
▲ 0.50% · 4.625%
HK$68,636
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,398/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,730
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$1,842/mo
Today · 4.125%
HK$71,389
baseline
▲ 0.50% · 4.625%
HK$75,153
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,778/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,029
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,238
−HK$2,245/mo
Today · 4.125%
HK$75,483
baseline
▲ 0.50% · 4.625%
HK$80,076
+HK$4,593/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,966/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,019
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,138
−HK$2,150/mo
Today · 4.125%
HK$83,288
baseline
▲ 0.50% · 4.625%
HK$87,678
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,576/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,322
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,163
−HK$2,886/mo
Today · 4.125%
HK$97,049
baseline
▲ 0.50% · 4.625%
HK$102,954
+HK$5,905/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,098/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,595
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,320
−HK$2,764/mo
Today · 4.125%
HK$107,084
baseline
▲ 0.50% · 4.625%
HK$112,729
+HK$5,645/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,168/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,607 · Scale 2, in force from 26 Feb 2026)