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$50,689
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,266
−HK$1,602/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$57,146
+HK$3,278/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,391
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,904
−HK$1,534/mo
Today · 4.125%
HK$59,438
baseline
▲ 0.50% · 4.625%
HK$62,571
+HK$3,133/mo
Deposit HK$11.11M · loan HK$11.11M · min. income ≈ HK$118,876/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,827
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,719
−HK$1,923/mo
Today · 4.125%
HK$64,642
baseline
▲ 0.50% · 4.625%
HK$68,575
+HK$3,933/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$129,284/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,670
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,485
−HK$1,841/mo
Today · 4.125%
HK$71,326
baseline
▲ 0.50% · 4.625%
HK$75,085
+HK$3,759/mo
Deposit HK$8.89M · loan HK$13.34M · min. income ≈ HK$142,652/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,965
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,173
−HK$2,242/mo
Today · 4.125%
HK$75,415
baseline
▲ 0.50% · 4.625%
HK$80,004
+HK$4,589/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$150,830/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,948
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,065
−HK$2,148/mo
Today · 4.125%
HK$83,213
baseline
▲ 0.50% · 4.625%
HK$87,600
+HK$4,387/mo
Deposit HK$6.67M · loan HK$15.56M · min. income ≈ HK$166,426/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,241
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,079
−HK$2,883/mo
Today · 4.125%
HK$96,962
baseline
▲ 0.50% · 4.625%
HK$102,862
+HK$5,900/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$193,924/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,505
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$104,227
−HK$2,761/mo
Today · 4.125%
HK$106,988
baseline
▲ 0.50% · 4.625%
HK$112,628
+HK$5,640/mo
Deposit HK$2.22M · loan HK$20.01M · min. income ≈ HK$213,976/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$944,762 · Scale 2, in force from 26 Feb 2026)