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$50,694
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,602/mo
Today · 4.125%
HK$53,872
baseline
▲ 0.50% · 4.625%
HK$57,151
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,744/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,909
−HK$1,534/mo
Today · 4.125%
HK$59,443
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,133/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,886/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,832
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,724
−HK$1,923/mo
Today · 4.125%
HK$64,647
baseline
▲ 0.50% · 4.625%
HK$68,581
+HK$3,934/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,294/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,490
−HK$1,842/mo
Today · 4.125%
HK$71,332
baseline
▲ 0.50% · 4.625%
HK$75,092
+HK$3,760/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,664/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,971
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$2,242/mo
Today · 4.125%
HK$75,421
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,590/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,842/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,955
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,072
−HK$2,148/mo
Today · 4.125%
HK$83,220
baseline
▲ 0.50% · 4.625%
HK$87,607
+HK$4,387/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,440/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,248
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,087
−HK$2,883/mo
Today · 4.125%
HK$96,970
baseline
▲ 0.50% · 4.625%
HK$102,871
+HK$5,901/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,940/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,513
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,235
−HK$2,762/mo
Today · 4.125%
HK$106,997
baseline
▲ 0.50% · 4.625%
HK$112,637
+HK$5,640/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,994/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,840 · Scale 2, in force from 26 Feb 2026)