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$50,731
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,309
−HK$1,604/mo
Today · 4.125%
HK$53,913
baseline
▲ 0.50% · 4.625%
HK$57,193
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,826/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,438
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,535/mo
Today · 4.125%
HK$59,487
baseline
▲ 0.50% · 4.625%
HK$62,623
+HK$3,136/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,974/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,924/mo
Today · 4.125%
HK$64,695
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,390/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,542
−HK$1,843/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$3,763/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,024
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,233
−HK$2,245/mo
Today · 4.125%
HK$75,478
baseline
▲ 0.50% · 4.625%
HK$80,070
+HK$4,592/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,956/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,014
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,133
−HK$2,149/mo
Today · 4.125%
HK$83,282
baseline
▲ 0.50% · 4.625%
HK$87,672
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,564/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,317
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,157
−HK$2,886/mo
Today · 4.125%
HK$97,043
baseline
▲ 0.50% · 4.625%
HK$102,948
+HK$5,905/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,086/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,589
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,313
−HK$2,764/mo
Today · 4.125%
HK$107,077
baseline
▲ 0.50% · 4.625%
HK$112,722
+HK$5,645/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,154/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,546 · Scale 2, in force from 26 Feb 2026)