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$50,825
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,406
−HK$1,606/mo
Today · 4.125%
HK$54,012
baseline
▲ 0.50% · 4.625%
HK$57,299
+HK$3,287/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$108,024/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,542
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,059
−HK$1,538/mo
Today · 4.125%
HK$59,597
baseline
▲ 0.50% · 4.625%
HK$62,739
+HK$3,142/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,194/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,928/mo
Today · 4.125%
HK$64,815
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,943/mo
Deposit HK$8.92M · loan HK$13.37M · min. income ≈ HK$129,630/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,851
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,670
−HK$1,847/mo
Today · 4.125%
HK$71,517
baseline
▲ 0.50% · 4.625%
HK$75,286
+HK$3,769/mo
Deposit HK$8.92M · loan HK$13.37M · min. income ≈ HK$143,034/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,155
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,368
−HK$2,249/mo
Today · 4.125%
HK$75,617
baseline
▲ 0.50% · 4.625%
HK$80,218
+HK$4,601/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,234/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,159
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,282
−HK$2,154/mo
Today · 4.125%
HK$83,436
baseline
▲ 0.50% · 4.625%
HK$87,834
+HK$4,398/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,872/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,485
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,331
−HK$2,891/mo
Today · 4.125%
HK$97,222
baseline
▲ 0.50% · 4.625%
HK$103,138
+HK$5,916/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,444/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,776
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,506
−HK$2,769/mo
Today · 4.125%
HK$107,275
baseline
▲ 0.50% · 4.625%
HK$112,929
+HK$5,654/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,550/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,290 · Scale 2, in force from 26 Feb 2026)