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$50,636
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,211
−HK$1,600/mo
Today · 4.125%
HK$53,811
baseline
▲ 0.50% · 4.625%
HK$57,085
+HK$3,274/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,622/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,332
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,532/mo
Today · 4.125%
HK$59,375
baseline
▲ 0.50% · 4.625%
HK$62,505
+HK$3,130/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,750/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,763
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,653
−HK$1,920/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$68,502
+HK$3,929/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,598
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,411
−HK$1,839/mo
Today · 4.125%
HK$71,250
baseline
▲ 0.50% · 4.625%
HK$75,006
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,500/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,890
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,095
−HK$2,241/mo
Today · 4.125%
HK$75,336
baseline
▲ 0.50% · 4.625%
HK$79,920
+HK$4,584/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,672/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,865
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,980
−HK$2,145/mo
Today · 4.125%
HK$83,125
baseline
▲ 0.50% · 4.625%
HK$87,507
+HK$4,382/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,250/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,144
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,980
−HK$2,880/mo
Today · 4.125%
HK$96,860
baseline
▲ 0.50% · 4.625%
HK$102,754
+HK$5,894/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,720/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,397
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,117
−HK$2,758/mo
Today · 4.125%
HK$106,875
baseline
▲ 0.50% · 4.625%
HK$112,509
+HK$5,634/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,750/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,763 · Scale 2, in force from 26 Feb 2026)