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$50,624
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,198
−HK$1,600/mo
Today · 4.125%
HK$53,798
baseline
▲ 0.50% · 4.625%
HK$57,072
+HK$3,274/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,596/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,318
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,829
−HK$1,532/mo
Today · 4.125%
HK$59,361
baseline
▲ 0.50% · 4.625%
HK$62,490
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,722/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,748
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,638
−HK$1,920/mo
Today · 4.125%
HK$64,558
baseline
▲ 0.50% · 4.625%
HK$68,486
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,116/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,582
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,395
−HK$1,838/mo
Today · 4.125%
HK$71,233
baseline
▲ 0.50% · 4.625%
HK$74,988
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,466/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,873
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,078
−HK$2,240/mo
Today · 4.125%
HK$75,318
baseline
▲ 0.50% · 4.625%
HK$79,901
+HK$4,583/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,636/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,846
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,960
−HK$2,146/mo
Today · 4.125%
HK$83,106
baseline
▲ 0.50% · 4.625%
HK$87,486
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,212/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,123
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,957
−HK$2,880/mo
Today · 4.125%
HK$96,837
baseline
▲ 0.50% · 4.625%
HK$102,729
+HK$5,892/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,674/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,373
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,092
−HK$2,758/mo
Today · 4.125%
HK$106,850
baseline
▲ 0.50% · 4.625%
HK$112,482
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,700/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,539 · Scale 2, in force from 26 Feb 2026)