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$50,895
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,478
−HK$1,608/mo
Today · 4.125%
HK$54,086
baseline
▲ 0.50% · 4.625%
HK$57,377
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,172/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,620
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,138
−HK$1,541/mo
Today · 4.125%
HK$59,679
baseline
▲ 0.50% · 4.625%
HK$62,825
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,358/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,074
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,973
−HK$1,931/mo
Today · 4.125%
HK$64,904
baseline
▲ 0.50% · 4.625%
HK$68,853
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,808/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,944
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,766
−HK$1,849/mo
Today · 4.125%
HK$71,615
baseline
▲ 0.50% · 4.625%
HK$75,390
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,230/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,253
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,469
−HK$2,252/mo
Today · 4.125%
HK$75,721
baseline
▲ 0.50% · 4.625%
HK$80,328
+HK$4,607/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,442/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,268
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,394
−HK$2,156/mo
Today · 4.125%
HK$83,550
baseline
▲ 0.50% · 4.625%
HK$87,955
+HK$4,405/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,100/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,611
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,460
−HK$2,895/mo
Today · 4.125%
HK$97,355
baseline
▲ 0.50% · 4.625%
HK$103,279
+HK$5,924/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,710/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,916
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,649
−HK$2,773/mo
Today · 4.125%
HK$107,422
baseline
▲ 0.50% · 4.625%
HK$113,084
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,844/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,590 · Scale 2, in force from 26 Feb 2026)