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$50,658
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,234
−HK$1,601/mo
Today · 4.125%
HK$53,835
baseline
▲ 0.50% · 4.625%
HK$57,111
+HK$3,276/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,670/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,357
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,868
−HK$1,534/mo
Today · 4.125%
HK$59,402
baseline
▲ 0.50% · 4.625%
HK$62,533
+HK$3,131/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,804/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,790
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,681
−HK$1,921/mo
Today · 4.125%
HK$64,602
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,931/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$129,204/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,628
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,442
−HK$1,840/mo
Today · 4.125%
HK$71,282
baseline
▲ 0.50% · 4.625%
HK$75,039
+HK$3,757/mo
Deposit HK$8.89M · loan HK$13.33M · min. income ≈ HK$142,564/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,922
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,128
−HK$2,241/mo
Today · 4.125%
HK$75,369
baseline
▲ 0.50% · 4.625%
HK$79,955
+HK$4,586/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$150,738/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,900
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,016
−HK$2,146/mo
Today · 4.125%
HK$83,162
baseline
▲ 0.50% · 4.625%
HK$87,546
+HK$4,384/mo
Deposit HK$6.66M · loan HK$15.55M · min. income ≈ HK$166,324/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,185
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,021
−HK$2,882/mo
Today · 4.125%
HK$96,903
baseline
▲ 0.50% · 4.625%
HK$102,799
+HK$5,896/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,806/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,442
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,163
−HK$2,760/mo
Today · 4.125%
HK$106,923
baseline
▲ 0.50% · 4.625%
HK$112,559
+HK$5,636/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,846/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,183 · Scale 2, in force from 26 Feb 2026)