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$50,726
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,304
−HK$1,603/mo
Today · 4.125%
HK$53,907
baseline
▲ 0.50% · 4.625%
HK$57,187
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,814/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,432
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,946
−HK$1,535/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$62,616
+HK$3,135/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,871
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,765
−HK$1,923/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,624
+HK$3,936/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,719
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,535
−HK$1,842/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,140
+HK$3,763/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,016
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,225
−HK$2,245/mo
Today · 4.125%
HK$75,470
baseline
▲ 0.50% · 4.625%
HK$80,062
+HK$4,592/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,940/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,005
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,124
−HK$2,149/mo
Today · 4.125%
HK$83,273
baseline
▲ 0.50% · 4.625%
HK$87,663
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,546/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,307
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,147
−HK$2,886/mo
Today · 4.125%
HK$97,033
baseline
▲ 0.50% · 4.625%
HK$102,937
+HK$5,904/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,066/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,578
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,302
−HK$2,764/mo
Today · 4.125%
HK$107,066
baseline
▲ 0.50% · 4.625%
HK$112,709
+HK$5,643/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,132/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,444 · Scale 2, in force from 26 Feb 2026)