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$50,870
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,452
−HK$1,608/mo
Today · 4.125%
HK$54,060
baseline
▲ 0.50% · 4.625%
HK$57,349
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,120/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,592
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,540/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$62,794
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,044
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,942
−HK$1,930/mo
Today · 4.125%
HK$64,872
baseline
▲ 0.50% · 4.625%
HK$68,819
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.39M · min. income ≈ HK$129,744/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,910
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,732
−HK$1,847/mo
Today · 4.125%
HK$71,579
baseline
▲ 0.50% · 4.625%
HK$75,353
+HK$3,774/mo
Deposit HK$8.92M · loan HK$13.39M · min. income ≈ HK$143,158/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,218
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,433
−HK$2,251/mo
Today · 4.125%
HK$75,684
baseline
▲ 0.50% · 4.625%
HK$80,289
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,368/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,229
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,354
−HK$2,155/mo
Today · 4.125%
HK$83,509
baseline
▲ 0.50% · 4.625%
HK$87,911
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,018/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,566
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,414
−HK$2,894/mo
Today · 4.125%
HK$97,308
baseline
▲ 0.50% · 4.625%
HK$103,228
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,616/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,866
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,598
−HK$2,771/mo
Today · 4.125%
HK$107,369
baseline
▲ 0.50% · 4.625%
HK$113,029
+HK$5,660/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,738/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,124 · Scale 2, in force from 26 Feb 2026)