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$50,856
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,438
−HK$1,607/mo
Today · 4.125%
HK$54,045
baseline
▲ 0.50% · 4.625%
HK$57,334
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,090/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,577
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,094
−HK$1,540/mo
Today · 4.125%
HK$59,634
baseline
▲ 0.50% · 4.625%
HK$62,777
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,268/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,027
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,926
−HK$1,928/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,801
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,708/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,892
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$1,847/mo
Today · 4.125%
HK$71,560
baseline
▲ 0.50% · 4.625%
HK$75,333
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,120/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,199
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,413
−HK$2,250/mo
Today · 4.125%
HK$75,663
baseline
▲ 0.50% · 4.625%
HK$80,267
+HK$4,604/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,326/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,208
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,332
−HK$2,155/mo
Today · 4.125%
HK$83,487
baseline
▲ 0.50% · 4.625%
HK$87,888
+HK$4,401/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,974/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,541
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,389
−HK$2,893/mo
Today · 4.125%
HK$97,282
baseline
▲ 0.50% · 4.625%
HK$103,201
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,564/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,839
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,570
−HK$2,771/mo
Today · 4.125%
HK$107,341
baseline
▲ 0.50% · 4.625%
HK$112,999
+HK$5,658/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,682/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,872 · Scale 2, in force from 26 Feb 2026)