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$50,734
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,312
−HK$1,603/mo
Today · 4.125%
HK$53,915
baseline
▲ 0.50% · 4.625%
HK$57,196
+HK$3,281/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$107,830/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,441
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,955
−HK$1,535/mo
Today · 4.125%
HK$59,490
baseline
▲ 0.50% · 4.625%
HK$62,626
+HK$3,136/mo
Deposit HK$11.12M · loan HK$11.12M · min. income ≈ HK$118,980/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,881
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,774
−HK$1,924/mo
Today · 4.125%
HK$64,698
baseline
▲ 0.50% · 4.625%
HK$68,635
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,396/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,729
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,545
−HK$1,843/mo
Today · 4.125%
HK$71,388
baseline
▲ 0.50% · 4.625%
HK$75,151
+HK$3,763/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,776/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,027
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,237
−HK$2,244/mo
Today · 4.125%
HK$75,481
baseline
▲ 0.50% · 4.625%
HK$80,074
+HK$4,593/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$150,962/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,017
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,136
−HK$2,150/mo
Today · 4.125%
HK$83,286
baseline
▲ 0.50% · 4.625%
HK$87,676
+HK$4,390/mo
Deposit HK$6.67M · loan HK$15.57M · min. income ≈ HK$166,572/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,321
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,161
−HK$2,886/mo
Today · 4.125%
HK$97,047
baseline
▲ 0.50% · 4.625%
HK$102,953
+HK$5,906/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$194,094/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,593
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,318
−HK$2,764/mo
Today · 4.125%
HK$107,082
baseline
▲ 0.50% · 4.625%
HK$112,727
+HK$5,645/mo
Deposit HK$2.22M · loan HK$20.02M · min. income ≈ HK$214,164/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,590 · Scale 2, in force from 26 Feb 2026)