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$50,638
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,213
−HK$1,600/mo
Today · 4.125%
HK$53,813
baseline
▲ 0.50% · 4.625%
HK$57,088
+HK$3,275/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,626/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,334
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,845
−HK$1,533/mo
Today · 4.125%
HK$59,378
baseline
▲ 0.50% · 4.625%
HK$62,507
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,756/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,765
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,656
−HK$1,920/mo
Today · 4.125%
HK$64,576
baseline
▲ 0.50% · 4.625%
HK$68,505
+HK$3,929/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,152/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,601
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,414
−HK$1,839/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,009
+HK$3,756/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,506/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,893
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,098
−HK$2,241/mo
Today · 4.125%
HK$75,339
baseline
▲ 0.50% · 4.625%
HK$79,923
+HK$4,584/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,678/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,868
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,983
−HK$2,146/mo
Today · 4.125%
HK$83,129
baseline
▲ 0.50% · 4.625%
HK$87,510
+HK$4,381/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,258/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,148
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,983
−HK$2,881/mo
Today · 4.125%
HK$96,864
baseline
▲ 0.50% · 4.625%
HK$102,758
+HK$5,894/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$193,728/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,401
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,121
−HK$2,759/mo
Today · 4.125%
HK$106,880
baseline
▲ 0.50% · 4.625%
HK$112,513
+HK$5,633/mo
Deposit HK$2.22M · loan HK$19.99M · min. income ≈ HK$213,760/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,801 · Scale 2, in force from 26 Feb 2026)