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$50,837
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,418
−HK$1,607/mo
Today · 4.125%
HK$54,025
baseline
▲ 0.50% · 4.625%
HK$57,312
+HK$3,287/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,050/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,555
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,072
−HK$1,539/mo
Today · 4.125%
HK$59,611
baseline
▲ 0.50% · 4.625%
HK$62,753
+HK$3,142/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,222/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,004
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,902
−HK$1,927/mo
Today · 4.125%
HK$64,829
baseline
▲ 0.50% · 4.625%
HK$68,774
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,658/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,866
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,686
−HK$1,847/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,304
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,171
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,385
−HK$2,249/mo
Today · 4.125%
HK$75,634
baseline
▲ 0.50% · 4.625%
HK$80,237
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,268/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,177
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,301
−HK$2,154/mo
Today · 4.125%
HK$83,455
baseline
▲ 0.50% · 4.625%
HK$87,854
+HK$4,399/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,910/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,506
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,352
−HK$2,892/mo
Today · 4.125%
HK$97,244
baseline
▲ 0.50% · 4.625%
HK$103,161
+HK$5,917/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,488/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,800
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,530
−HK$2,769/mo
Today · 4.125%
HK$107,299
baseline
▲ 0.50% · 4.625%
HK$112,955
+HK$5,656/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,598/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,507 · Scale 2, in force from 26 Feb 2026)