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$50,855
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,607/mo
Today · 4.125%
HK$54,044
baseline
▲ 0.50% · 4.625%
HK$57,332
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,088/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,575
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,539/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$62,775
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,026
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,924
−HK$1,929/mo
Today · 4.125%
HK$64,853
baseline
▲ 0.50% · 4.625%
HK$68,799
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,706/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,891
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,711
−HK$1,848/mo
Today · 4.125%
HK$71,559
baseline
▲ 0.50% · 4.625%
HK$75,330
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,118/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,197
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,411
−HK$2,250/mo
Today · 4.125%
HK$75,661
baseline
▲ 0.50% · 4.625%
HK$80,265
+HK$4,604/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,322/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,206
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,155/mo
Today · 4.125%
HK$83,485
baseline
▲ 0.50% · 4.625%
HK$87,886
+HK$4,401/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,970/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,539
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,386
−HK$2,893/mo
Today · 4.125%
HK$97,279
baseline
▲ 0.50% · 4.625%
HK$103,198
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,558/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,836
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,567
−HK$2,771/mo
Today · 4.125%
HK$107,338
baseline
▲ 0.50% · 4.625%
HK$112,996
+HK$5,658/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,676/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,846 · Scale 2, in force from 26 Feb 2026)