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$50,687
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,264
−HK$1,602/mo
Today · 4.125%
HK$53,866
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$3,277/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,732/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,534/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$62,568
+HK$3,133/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,825
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,717
−HK$1,922/mo
Today · 4.125%
HK$64,639
baseline
▲ 0.50% · 4.625%
HK$68,572
+HK$3,933/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,278/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,667
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,482
−HK$1,841/mo
Today · 4.125%
HK$71,323
baseline
▲ 0.50% · 4.625%
HK$75,082
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,646/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,962
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,169
−HK$2,243/mo
Today · 4.125%
HK$75,412
baseline
▲ 0.50% · 4.625%
HK$80,001
+HK$4,589/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,824/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,945
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,062
−HK$2,148/mo
Today · 4.125%
HK$83,210
baseline
▲ 0.50% · 4.625%
HK$87,596
+HK$4,386/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,420/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,237
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,075
−HK$2,883/mo
Today · 4.125%
HK$96,958
baseline
▲ 0.50% · 4.625%
HK$102,858
+HK$5,900/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,916/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,500
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,222
−HK$2,762/mo
Today · 4.125%
HK$106,984
baseline
▲ 0.50% · 4.625%
HK$112,623
+HK$5,639/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,968/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,720 · Scale 2, in force from 26 Feb 2026)