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$50,887
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,470
−HK$1,608/mo
Today · 4.125%
HK$54,078
baseline
▲ 0.50% · 4.625%
HK$57,369
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,156/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,611
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,130
−HK$1,540/mo
Today · 4.125%
HK$59,670
baseline
▲ 0.50% · 4.625%
HK$62,815
+HK$3,145/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,340/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,930/mo
Today · 4.125%
HK$64,894
baseline
▲ 0.50% · 4.625%
HK$68,842
+HK$3,948/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,788/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,934
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,756
−HK$1,848/mo
Today · 4.125%
HK$71,604
baseline
▲ 0.50% · 4.625%
HK$75,378
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,208/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,242
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$2,251/mo
Today · 4.125%
HK$75,709
baseline
▲ 0.50% · 4.625%
HK$80,316
+HK$4,607/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,418/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,256
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,382
−HK$2,156/mo
Today · 4.125%
HK$83,538
baseline
▲ 0.50% · 4.625%
HK$87,941
+HK$4,403/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,076/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,597
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,446
−HK$2,895/mo
Today · 4.125%
HK$97,341
baseline
▲ 0.50% · 4.625%
HK$103,264
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,682/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,901
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,633
−HK$2,773/mo
Today · 4.125%
HK$107,406
baseline
▲ 0.50% · 4.625%
HK$113,067
+HK$5,661/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,812/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,447 · Scale 2, in force from 26 Feb 2026)