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$50,819
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,400
−HK$1,606/mo
Today · 4.125%
HK$54,006
baseline
▲ 0.50% · 4.625%
HK$57,292
+HK$3,286/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$108,012/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,536
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,052
−HK$1,539/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$62,732
+HK$3,141/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,983
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,880
−HK$1,928/mo
Today · 4.125%
HK$64,808
baseline
▲ 0.50% · 4.625%
HK$68,751
+HK$3,943/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,616/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,843
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,663
−HK$1,846/mo
Today · 4.125%
HK$71,509
baseline
▲ 0.50% · 4.625%
HK$75,278
+HK$3,769/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$143,018/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,147
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,360
−HK$2,249/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$80,209
+HK$4,600/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,151
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,273
−HK$2,154/mo
Today · 4.125%
HK$83,427
baseline
▲ 0.50% · 4.625%
HK$87,824
+HK$4,397/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,854/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,475
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,320
−HK$2,891/mo
Today · 4.125%
HK$97,211
baseline
▲ 0.50% · 4.625%
HK$103,126
+HK$5,915/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,422/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,765
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,494
−HK$2,769/mo
Today · 4.125%
HK$107,263
baseline
▲ 0.50% · 4.625%
HK$112,917
+HK$5,654/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,526/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,186 · Scale 2, in force from 26 Feb 2026)