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$50,893
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,477
−HK$1,608/mo
Today · 4.125%
HK$54,085
baseline
▲ 0.50% · 4.625%
HK$57,376
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,170/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,618
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,137
−HK$1,540/mo
Today · 4.125%
HK$59,677
baseline
▲ 0.50% · 4.625%
HK$62,823
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,354/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,972
−HK$1,930/mo
Today · 4.125%
HK$64,902
baseline
▲ 0.50% · 4.625%
HK$68,851
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,804/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,942
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,764
−HK$1,849/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,388
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,251
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$2,252/mo
Today · 4.125%
HK$75,719
baseline
▲ 0.50% · 4.625%
HK$80,326
+HK$4,607/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,438/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,266
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,392
−HK$2,156/mo
Today · 4.125%
HK$83,548
baseline
▲ 0.50% · 4.625%
HK$87,952
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,096/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,608
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,458
−HK$2,895/mo
Today · 4.125%
HK$97,353
baseline
▲ 0.50% · 4.625%
HK$103,276
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,706/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,913
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,646
−HK$2,773/mo
Today · 4.125%
HK$107,419
baseline
▲ 0.50% · 4.625%
HK$113,081
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,838/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,565 · Scale 2, in force from 26 Feb 2026)