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$50,886
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,468
−HK$1,609/mo
Today · 4.125%
HK$54,077
baseline
▲ 0.50% · 4.625%
HK$57,367
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,154/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,610
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,128
−HK$1,540/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,145/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,063
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,930/mo
Today · 4.125%
HK$64,892
baseline
▲ 0.50% · 4.625%
HK$68,840
+HK$3,948/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,784/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,932
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,754
−HK$1,848/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,376
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,240
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,456
−HK$2,251/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$80,314
+HK$4,607/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,254
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,379
−HK$2,156/mo
Today · 4.125%
HK$83,535
baseline
▲ 0.50% · 4.625%
HK$87,939
+HK$4,404/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,070/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,594
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,443
−HK$2,895/mo
Today · 4.125%
HK$97,338
baseline
▲ 0.50% · 4.625%
HK$103,261
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,676/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,898
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,630
−HK$2,773/mo
Today · 4.125%
HK$107,403
baseline
▲ 0.50% · 4.625%
HK$113,064
+HK$5,661/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,806/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,420 · Scale 2, in force from 26 Feb 2026)