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$50,844
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,425
−HK$1,607/mo
Today · 4.125%
HK$54,032
baseline
▲ 0.50% · 4.625%
HK$57,320
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,064/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,563
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,080
−HK$1,539/mo
Today · 4.125%
HK$59,619
baseline
▲ 0.50% · 4.625%
HK$62,762
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,238/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,013
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,910
−HK$1,929/mo
Today · 4.125%
HK$64,839
baseline
▲ 0.50% · 4.625%
HK$68,784
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,678/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,876
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,696
−HK$1,847/mo
Today · 4.125%
HK$71,543
baseline
▲ 0.50% · 4.625%
HK$75,314
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,086/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,181
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,395
−HK$2,250/mo
Today · 4.125%
HK$75,645
baseline
▲ 0.50% · 4.625%
HK$80,248
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,290/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,188
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,312
−HK$2,155/mo
Today · 4.125%
HK$83,467
baseline
▲ 0.50% · 4.625%
HK$87,866
+HK$4,399/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,934/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,519
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,366
−HK$2,892/mo
Today · 4.125%
HK$97,258
baseline
▲ 0.50% · 4.625%
HK$103,176
+HK$5,918/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,516/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,814
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,544
−HK$2,770/mo
Today · 4.125%
HK$107,314
baseline
▲ 0.50% · 4.625%
HK$112,971
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,628/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,639 · Scale 2, in force from 26 Feb 2026)