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$50,615
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,189
−HK$1,600/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$57,061
+HK$3,272/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,308
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,818
−HK$1,532/mo
Today · 4.125%
HK$59,350
baseline
▲ 0.50% · 4.625%
HK$62,479
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,700/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,737
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,627
−HK$1,919/mo
Today · 4.125%
HK$64,546
baseline
▲ 0.50% · 4.625%
HK$68,474
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,092/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,570
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,382
−HK$1,838/mo
Today · 4.125%
HK$71,220
baseline
▲ 0.50% · 4.625%
HK$74,975
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,440/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,860
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,065
−HK$2,239/mo
Today · 4.125%
HK$75,304
baseline
▲ 0.50% · 4.625%
HK$79,886
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,608/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,831
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,946
−HK$2,144/mo
Today · 4.125%
HK$83,090
baseline
▲ 0.50% · 4.625%
HK$87,470
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,180/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,940
−HK$2,879/mo
Today · 4.125%
HK$96,819
baseline
▲ 0.50% · 4.625%
HK$102,711
+HK$5,892/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,638/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,355
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,073
−HK$2,758/mo
Today · 4.125%
HK$106,831
baseline
▲ 0.50% · 4.625%
HK$112,462
+HK$5,631/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,662/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,367 · Scale 2, in force from 26 Feb 2026)