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$50,744
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,323
−HK$1,604/mo
Today · 4.125%
HK$53,927
baseline
▲ 0.50% · 4.625%
HK$57,208
+HK$3,281/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,854/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,453
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,967
−HK$1,536/mo
Today · 4.125%
HK$59,503
baseline
▲ 0.50% · 4.625%
HK$62,639
+HK$3,136/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,006/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,893
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,788
−HK$1,924/mo
Today · 4.125%
HK$64,712
baseline
▲ 0.50% · 4.625%
HK$68,650
+HK$3,938/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,424/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,743
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,560
−HK$1,843/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,167
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,042
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,252
−HK$2,245/mo
Today · 4.125%
HK$75,497
baseline
▲ 0.50% · 4.625%
HK$80,091
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$150,994/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,034
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,153
−HK$2,151/mo
Today · 4.125%
HK$83,304
baseline
▲ 0.50% · 4.625%
HK$87,695
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,608/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,340
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,181
−HK$2,887/mo
Today · 4.125%
HK$97,068
baseline
▲ 0.50% · 4.625%
HK$102,974
+HK$5,906/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,136/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,615
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,340
−HK$2,765/mo
Today · 4.125%
HK$107,105
baseline
▲ 0.50% · 4.625%
HK$112,751
+HK$5,646/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,210/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,789 · Scale 2, in force from 26 Feb 2026)