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$50,627
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,600/mo
Today · 4.125%
HK$53,802
baseline
▲ 0.50% · 4.625%
HK$57,075
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,604/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,322
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,832
−HK$1,533/mo
Today · 4.125%
HK$59,365
baseline
▲ 0.50% · 4.625%
HK$62,494
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,730/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,752
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,642
−HK$1,920/mo
Today · 4.125%
HK$64,562
baseline
▲ 0.50% · 4.625%
HK$68,490
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,124/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,586
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,399
−HK$1,839/mo
Today · 4.125%
HK$71,238
baseline
▲ 0.50% · 4.625%
HK$74,993
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,476/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,878
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,082
−HK$2,240/mo
Today · 4.125%
HK$75,322
baseline
▲ 0.50% · 4.625%
HK$79,906
+HK$4,584/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,644/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,851
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,965
−HK$2,146/mo
Today · 4.125%
HK$83,111
baseline
▲ 0.50% · 4.625%
HK$87,492
+HK$4,381/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,222/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,128
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,963
−HK$2,880/mo
Today · 4.125%
HK$96,843
baseline
▲ 0.50% · 4.625%
HK$102,736
+HK$5,893/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,686/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,379
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,098
−HK$2,759/mo
Today · 4.125%
HK$106,857
baseline
▲ 0.50% · 4.625%
HK$112,489
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,714/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,598 · Scale 2, in force from 26 Feb 2026)