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$50,732
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,310
−HK$1,603/mo
Today · 4.125%
HK$53,913
baseline
▲ 0.50% · 4.625%
HK$57,194
+HK$3,281/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,826/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,439
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,952
−HK$1,536/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$62,623
+HK$3,135/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,772
−HK$1,924/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,936/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$1,842/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$3,763/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,024
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,234
−HK$2,244/mo
Today · 4.125%
HK$75,478
baseline
▲ 0.50% · 4.625%
HK$80,071
+HK$4,593/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,956/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,014
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,133
−HK$2,150/mo
Today · 4.125%
HK$83,283
baseline
▲ 0.50% · 4.625%
HK$87,673
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,566/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,317
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,158
−HK$2,886/mo
Today · 4.125%
HK$97,044
baseline
▲ 0.50% · 4.625%
HK$102,948
+HK$5,904/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,088/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,589
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,314
−HK$2,764/mo
Today · 4.125%
HK$107,078
baseline
▲ 0.50% · 4.625%
HK$112,722
+HK$5,644/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,156/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,552 · Scale 2, in force from 26 Feb 2026)