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$50,912
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,495
−HK$1,609/mo
Today · 4.125%
HK$54,104
baseline
▲ 0.50% · 4.625%
HK$57,396
+HK$3,292/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,208/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,639
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,541/mo
Today · 4.125%
HK$59,699
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,398/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,094
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,931/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,876
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,966
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,789
−HK$1,849/mo
Today · 4.125%
HK$71,638
baseline
▲ 0.50% · 4.625%
HK$75,414
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,276/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,276
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,493
−HK$2,253/mo
Today · 4.125%
HK$75,746
baseline
▲ 0.50% · 4.625%
HK$80,355
+HK$4,609/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,492/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,294
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,421
−HK$2,157/mo
Today · 4.125%
HK$83,578
baseline
▲ 0.50% · 4.625%
HK$87,984
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,156/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,641
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,491
−HK$2,896/mo
Today · 4.125%
HK$97,387
baseline
▲ 0.50% · 4.625%
HK$103,313
+HK$5,926/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,774/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,949
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,684
−HK$2,773/mo
Today · 4.125%
HK$107,457
baseline
▲ 0.50% · 4.625%
HK$113,122
+HK$5,665/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,914/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,903 · Scale 2, in force from 26 Feb 2026)