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$50,621
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,600/mo
Today · 4.125%
HK$53,796
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,592/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,316
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,532/mo
Today · 4.125%
HK$59,358
baseline
▲ 0.50% · 4.625%
HK$62,487
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,716/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,746
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,635
−HK$1,920/mo
Today · 4.125%
HK$64,555
baseline
▲ 0.50% · 4.625%
HK$68,483
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,110/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,579
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,391
−HK$1,839/mo
Today · 4.125%
HK$71,230
baseline
▲ 0.50% · 4.625%
HK$74,985
+HK$3,755/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,460/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,870
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,074
−HK$2,240/mo
Today · 4.125%
HK$75,314
baseline
▲ 0.50% · 4.625%
HK$79,897
+HK$4,583/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,628/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,842
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,957
−HK$2,145/mo
Today · 4.125%
HK$83,102
baseline
▲ 0.50% · 4.625%
HK$87,482
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,204/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,118
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,953
−HK$2,879/mo
Today · 4.125%
HK$96,832
baseline
▲ 0.50% · 4.625%
HK$102,724
+HK$5,892/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,664/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,368
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,087
−HK$2,758/mo
Today · 4.125%
HK$106,845
baseline
▲ 0.50% · 4.625%
HK$112,477
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,690/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,494 · Scale 2, in force from 26 Feb 2026)