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$50,691
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,602/mo
Today · 4.125%
HK$53,869
baseline
▲ 0.50% · 4.625%
HK$57,147
+HK$3,278/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,738/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,905
−HK$1,535/mo
Today · 4.125%
HK$59,440
baseline
▲ 0.50% · 4.625%
HK$62,573
+HK$3,133/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,880/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,829
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,721
−HK$1,922/mo
Today · 4.125%
HK$64,643
baseline
▲ 0.50% · 4.625%
HK$68,577
+HK$3,934/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,286/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,671
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,486
−HK$1,841/mo
Today · 4.125%
HK$71,327
baseline
▲ 0.50% · 4.625%
HK$75,087
+HK$3,760/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,654/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,967
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,174
−HK$2,243/mo
Today · 4.125%
HK$75,417
baseline
▲ 0.50% · 4.625%
HK$80,006
+HK$4,589/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,834/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,950
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,067
−HK$2,148/mo
Today · 4.125%
HK$83,215
baseline
▲ 0.50% · 4.625%
HK$87,602
+HK$4,387/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,430/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,243
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,081
−HK$2,884/mo
Today · 4.125%
HK$96,965
baseline
▲ 0.50% · 4.625%
HK$102,865
+HK$5,900/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,930/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,507
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,229
−HK$2,762/mo
Today · 4.125%
HK$106,991
baseline
▲ 0.50% · 4.625%
HK$112,631
+HK$5,640/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,982/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,785 · Scale 2, in force from 26 Feb 2026)