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$50,619
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,600/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$57,066
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,823
−HK$1,532/mo
Today · 4.125%
HK$59,355
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,710/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,742
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,632
−HK$1,919/mo
Today · 4.125%
HK$64,551
baseline
▲ 0.50% · 4.625%
HK$68,479
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,102/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,575
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,388
−HK$1,838/mo
Today · 4.125%
HK$71,226
baseline
▲ 0.50% · 4.625%
HK$74,981
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,452/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,866
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,070
−HK$2,240/mo
Today · 4.125%
HK$75,310
baseline
▲ 0.50% · 4.625%
HK$79,892
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,620/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,838
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,952
−HK$2,145/mo
Today · 4.125%
HK$83,097
baseline
▲ 0.50% · 4.625%
HK$87,477
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,194/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,114
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,948
−HK$2,879/mo
Today · 4.125%
HK$96,827
baseline
▲ 0.50% · 4.625%
HK$102,719
+HK$5,892/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,654/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,363
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,081
−HK$2,758/mo
Today · 4.125%
HK$106,839
baseline
▲ 0.50% · 4.625%
HK$112,471
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,678/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,444 · Scale 2, in force from 26 Feb 2026)