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$50,707
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,284
−HK$1,603/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,924
−HK$1,535/mo
Today · 4.125%
HK$59,459
baseline
▲ 0.50% · 4.625%
HK$62,593
+HK$3,134/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,918/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,848
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,741
−HK$1,923/mo
Today · 4.125%
HK$64,664
baseline
▲ 0.50% · 4.625%
HK$68,599
+HK$3,935/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,328/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,693
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,509
−HK$1,841/mo
Today · 4.125%
HK$71,350
baseline
▲ 0.50% · 4.625%
HK$75,111
+HK$3,761/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,700/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,990
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,198
−HK$2,243/mo
Today · 4.125%
HK$75,441
baseline
▲ 0.50% · 4.625%
HK$80,032
+HK$4,591/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,882/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,975
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,093
−HK$2,149/mo
Today · 4.125%
HK$83,242
baseline
▲ 0.50% · 4.625%
HK$87,630
+HK$4,388/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,484/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,272
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,111
−HK$2,885/mo
Today · 4.125%
HK$96,996
baseline
▲ 0.50% · 4.625%
HK$102,898
+HK$5,902/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,992/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,540
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,263
−HK$2,762/mo
Today · 4.125%
HK$107,025
baseline
▲ 0.50% · 4.625%
HK$112,667
+HK$5,642/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$214,050/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,088 · Scale 2, in force from 26 Feb 2026)