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$50,846
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,427
−HK$1,607/mo
Today · 4.125%
HK$54,034
baseline
▲ 0.50% · 4.625%
HK$57,322
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,068/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,565
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,082
−HK$1,539/mo
Today · 4.125%
HK$59,621
baseline
▲ 0.50% · 4.625%
HK$62,764
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,242/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,015
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,913
−HK$1,928/mo
Today · 4.125%
HK$64,841
baseline
▲ 0.50% · 4.625%
HK$68,786
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,682/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,878
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,699
−HK$1,847/mo
Today · 4.125%
HK$71,546
baseline
▲ 0.50% · 4.625%
HK$75,317
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,092/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,184
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,398
−HK$2,250/mo
Today · 4.125%
HK$75,648
baseline
▲ 0.50% · 4.625%
HK$80,251
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,296/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,191
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,315
−HK$2,155/mo
Today · 4.125%
HK$83,470
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,940/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,522
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,369
−HK$2,893/mo
Today · 4.125%
HK$97,262
baseline
▲ 0.50% · 4.625%
HK$103,180
+HK$5,918/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,524/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,818
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,548
−HK$2,770/mo
Today · 4.125%
HK$107,318
baseline
▲ 0.50% · 4.625%
HK$112,975
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,636/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,676 · Scale 2, in force from 26 Feb 2026)