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$50,719
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,296
−HK$1,603/mo
Today · 4.125%
HK$53,899
baseline
▲ 0.50% · 4.625%
HK$57,179
+HK$3,280/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,798/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,424
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,937
−HK$1,535/mo
Today · 4.125%
HK$59,472
baseline
▲ 0.50% · 4.625%
HK$62,607
+HK$3,135/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,944/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,862
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,756
−HK$1,923/mo
Today · 4.125%
HK$64,679
baseline
▲ 0.50% · 4.625%
HK$68,615
+HK$3,936/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,358/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,709
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,525
−HK$1,842/mo
Today · 4.125%
HK$71,367
baseline
▲ 0.50% · 4.625%
HK$75,129
+HK$3,762/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,734/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,006
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,215
−HK$2,244/mo
Today · 4.125%
HK$75,459
baseline
▲ 0.50% · 4.625%
HK$80,050
+HK$4,591/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,918/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,994
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,112
−HK$2,149/mo
Today · 4.125%
HK$83,261
baseline
▲ 0.50% · 4.625%
HK$87,650
+HK$4,389/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,522/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,294
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,133
−HK$2,886/mo
Today · 4.125%
HK$97,019
baseline
▲ 0.50% · 4.625%
HK$102,922
+HK$5,903/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,038/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,563
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,287
−HK$2,763/mo
Today · 4.125%
HK$107,050
baseline
▲ 0.50% · 4.625%
HK$112,693
+HK$5,643/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,100/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,309 · Scale 2, in force from 26 Feb 2026)