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$50,717
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,295
−HK$1,603/mo
Today · 4.125%
HK$53,898
baseline
▲ 0.50% · 4.625%
HK$57,177
+HK$3,279/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,796/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,422
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,936
−HK$1,535/mo
Today · 4.125%
HK$59,471
baseline
▲ 0.50% · 4.625%
HK$62,605
+HK$3,134/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,942/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,861
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,754
−HK$1,923/mo
Today · 4.125%
HK$64,677
baseline
▲ 0.50% · 4.625%
HK$68,612
+HK$3,935/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,354/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,707
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,523
−HK$1,842/mo
Today · 4.125%
HK$71,365
baseline
▲ 0.50% · 4.625%
HK$75,126
+HK$3,761/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,730/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,004
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,213
−HK$2,244/mo
Today · 4.125%
HK$75,457
baseline
▲ 0.50% · 4.625%
HK$80,048
+HK$4,591/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,914/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,991
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,110
−HK$2,149/mo
Today · 4.125%
HK$83,259
baseline
▲ 0.50% · 4.625%
HK$87,648
+HK$4,389/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,518/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,291
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,131
−HK$2,885/mo
Today · 4.125%
HK$97,016
baseline
▲ 0.50% · 4.625%
HK$102,919
+HK$5,903/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,032/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,560
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,284
−HK$2,763/mo
Today · 4.125%
HK$107,047
baseline
▲ 0.50% · 4.625%
HK$112,690
+HK$5,643/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,094/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,279 · Scale 2, in force from 26 Feb 2026)