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$50,821
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,402
−HK$1,606/mo
Today · 4.125%
HK$54,008
baseline
▲ 0.50% · 4.625%
HK$57,294
+HK$3,286/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$108,016/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,538
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,054
−HK$1,539/mo
Today · 4.125%
HK$59,593
baseline
▲ 0.50% · 4.625%
HK$62,734
+HK$3,141/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,186/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,985
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,882
−HK$1,928/mo
Today · 4.125%
HK$64,810
baseline
▲ 0.50% · 4.625%
HK$68,753
+HK$3,943/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,620/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,846
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,665
−HK$1,846/mo
Today · 4.125%
HK$71,511
baseline
▲ 0.50% · 4.625%
HK$75,281
+HK$3,770/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$143,022/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,150
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,363
−HK$2,248/mo
Today · 4.125%
HK$75,611
baseline
▲ 0.50% · 4.625%
HK$80,212
+HK$4,601/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,222/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,153
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,276
−HK$2,154/mo
Today · 4.125%
HK$83,430
baseline
▲ 0.50% · 4.625%
HK$87,827
+HK$4,397/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,860/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,478
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,324
−HK$2,891/mo
Today · 4.125%
HK$97,215
baseline
▲ 0.50% · 4.625%
HK$103,130
+HK$5,915/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,430/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,768
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,498
−HK$2,769/mo
Today · 4.125%
HK$107,267
baseline
▲ 0.50% · 4.625%
HK$112,921
+HK$5,654/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,534/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,218 · Scale 2, in force from 26 Feb 2026)