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$50,716
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,294
−HK$1,603/mo
Today · 4.125%
HK$53,897
baseline
▲ 0.50% · 4.625%
HK$57,176
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,794/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,421
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,935
−HK$1,535/mo
Today · 4.125%
HK$59,470
baseline
▲ 0.50% · 4.625%
HK$62,604
+HK$3,134/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,940/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,860
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,923/mo
Today · 4.125%
HK$64,676
baseline
▲ 0.50% · 4.625%
HK$68,611
+HK$3,935/mo
Deposit HK$8.90M · loan HK$13.34M · min. income ≈ HK$129,352/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,706
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,522
−HK$1,842/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,125
+HK$3,761/mo
Deposit HK$8.90M · loan HK$13.34M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,003
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,211
−HK$2,244/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$80,047
+HK$4,592/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,990
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,150/mo
Today · 4.125%
HK$83,258
baseline
▲ 0.50% · 4.625%
HK$87,646
+HK$4,388/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,516/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,289
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,129
−HK$2,885/mo
Today · 4.125%
HK$97,014
baseline
▲ 0.50% · 4.625%
HK$102,917
+HK$5,903/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,028/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,559
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,282
−HK$2,763/mo
Today · 4.125%
HK$107,045
baseline
▲ 0.50% · 4.625%
HK$112,688
+HK$5,643/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,090/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,264 · Scale 2, in force from 26 Feb 2026)