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$50,618
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,192
−HK$1,600/mo
Today · 4.125%
HK$53,792
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$3,273/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$107,584/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,312
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,822
−HK$1,532/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,483
+HK$3,129/mo
Deposit HK$11.10M · loan HK$11.10M · min. income ≈ HK$118,708/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,741
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,631
−HK$1,919/mo
Today · 4.125%
HK$64,550
baseline
▲ 0.50% · 4.625%
HK$68,478
+HK$3,928/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$129,100/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,574
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,386
−HK$1,839/mo
Today · 4.125%
HK$71,225
baseline
▲ 0.50% · 4.625%
HK$74,979
+HK$3,754/mo
Deposit HK$8.88M · loan HK$13.32M · min. income ≈ HK$142,450/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,865
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,069
−HK$2,240/mo
Today · 4.125%
HK$75,309
baseline
▲ 0.50% · 4.625%
HK$79,891
+HK$4,582/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$150,618/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,836
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,951
−HK$2,145/mo
Today · 4.125%
HK$83,096
baseline
▲ 0.50% · 4.625%
HK$87,476
+HK$4,380/mo
Deposit HK$6.66M · loan HK$15.54M · min. income ≈ HK$166,192/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,112
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,946
−HK$2,880/mo
Today · 4.125%
HK$96,826
baseline
▲ 0.50% · 4.625%
HK$102,717
+HK$5,891/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$193,652/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,361
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,080
−HK$2,757/mo
Today · 4.125%
HK$106,837
baseline
▲ 0.50% · 4.625%
HK$112,469
+HK$5,632/mo
Deposit HK$2.22M · loan HK$19.98M · min. income ≈ HK$213,674/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$943,428 · Scale 2, in force from 26 Feb 2026)