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$50,694
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,271
−HK$1,602/mo
Today · 4.125%
HK$53,873
baseline
▲ 0.50% · 4.625%
HK$57,151
+HK$3,278/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,746/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,397
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,909
−HK$1,535/mo
Today · 4.125%
HK$59,444
baseline
▲ 0.50% · 4.625%
HK$62,577
+HK$3,133/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,888/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,833
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,725
−HK$1,923/mo
Today · 4.125%
HK$64,648
baseline
▲ 0.50% · 4.625%
HK$68,582
+HK$3,934/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,296/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,676
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,491
−HK$1,842/mo
Today · 4.125%
HK$71,333
baseline
▲ 0.50% · 4.625%
HK$75,093
+HK$3,760/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,666/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,972
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,180
−HK$2,243/mo
Today · 4.125%
HK$75,423
baseline
▲ 0.50% · 4.625%
HK$80,012
+HK$4,589/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,846/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,956
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,073
−HK$2,148/mo
Today · 4.125%
HK$83,221
baseline
▲ 0.50% · 4.625%
HK$87,608
+HK$4,387/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,442/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,250
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,088
−HK$2,884/mo
Today · 4.125%
HK$96,972
baseline
▲ 0.50% · 4.625%
HK$102,872
+HK$5,900/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,944/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,514
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,237
−HK$2,762/mo
Today · 4.125%
HK$106,999
baseline
▲ 0.50% · 4.625%
HK$112,639
+HK$5,640/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,998/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,853 · Scale 2, in force from 26 Feb 2026)