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$50,903
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,487
−HK$1,608/mo
Today · 4.125%
HK$54,095
baseline
▲ 0.50% · 4.625%
HK$57,387
+HK$3,292/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,190/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,630
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,148
−HK$1,541/mo
Today · 4.125%
HK$59,689
baseline
▲ 0.50% · 4.625%
HK$62,835
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,378/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,084
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,984
−HK$1,931/mo
Today · 4.125%
HK$64,915
baseline
▲ 0.50% · 4.625%
HK$68,864
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,830/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,955
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,778
−HK$1,849/mo
Today · 4.125%
HK$71,627
baseline
▲ 0.50% · 4.625%
HK$75,402
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,254/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,265
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,481
−HK$2,253/mo
Today · 4.125%
HK$75,734
baseline
▲ 0.50% · 4.625%
HK$80,342
+HK$4,608/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,468/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,281
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,408
−HK$2,157/mo
Today · 4.125%
HK$83,565
baseline
▲ 0.50% · 4.625%
HK$87,969
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,130/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,626
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,476
−HK$2,896/mo
Today · 4.125%
HK$97,372
baseline
▲ 0.50% · 4.625%
HK$103,297
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,744/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,933
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,667
−HK$2,773/mo
Today · 4.125%
HK$107,440
baseline
▲ 0.50% · 4.625%
HK$113,104
+HK$5,664/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,880/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,751 · Scale 2, in force from 26 Feb 2026)