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$50,848
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,429
−HK$1,607/mo
Today · 4.125%
HK$54,036
baseline
▲ 0.50% · 4.625%
HK$57,324
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,072/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,568
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,539/mo
Today · 4.125%
HK$59,624
baseline
▲ 0.50% · 4.625%
HK$62,767
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,248/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,017
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,915
−HK$1,929/mo
Today · 4.125%
HK$64,844
baseline
▲ 0.50% · 4.625%
HK$68,789
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,688/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,881
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,702
−HK$1,846/mo
Today · 4.125%
HK$71,548
baseline
▲ 0.50% · 4.625%
HK$75,320
+HK$3,772/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,096/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,187
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,401
−HK$2,250/mo
Today · 4.125%
HK$75,651
baseline
▲ 0.50% · 4.625%
HK$80,254
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,302/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,195
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,319
−HK$2,154/mo
Today · 4.125%
HK$83,473
baseline
▲ 0.50% · 4.625%
HK$87,873
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,946/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,526
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,373
−HK$2,892/mo
Today · 4.125%
HK$97,265
baseline
▲ 0.50% · 4.625%
HK$103,184
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,530/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,822
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,552
−HK$2,771/mo
Today · 4.125%
HK$107,323
baseline
▲ 0.50% · 4.625%
HK$112,980
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,646/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,712 · Scale 2, in force from 26 Feb 2026)