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$50,863
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,445
−HK$1,608/mo
Today · 4.125%
HK$54,053
baseline
▲ 0.50% · 4.625%
HK$57,342
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,106/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,585
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,102
−HK$1,540/mo
Today · 4.125%
HK$59,642
baseline
▲ 0.50% · 4.625%
HK$62,786
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,284/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,036
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,929/mo
Today · 4.125%
HK$64,863
baseline
▲ 0.50% · 4.625%
HK$68,810
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,726/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,902
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,723
−HK$1,847/mo
Today · 4.125%
HK$71,570
baseline
▲ 0.50% · 4.625%
HK$75,343
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,140/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,208
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,423
−HK$2,251/mo
Today · 4.125%
HK$75,674
baseline
▲ 0.50% · 4.625%
HK$80,278
+HK$4,604/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,348/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,219
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,343
−HK$2,156/mo
Today · 4.125%
HK$83,499
baseline
▲ 0.50% · 4.625%
HK$87,900
+HK$4,401/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,998/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,554
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,402
−HK$2,893/mo
Today · 4.125%
HK$97,295
baseline
▲ 0.50% · 4.625%
HK$103,215
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,590/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,853
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,584
−HK$2,771/mo
Today · 4.125%
HK$107,355
baseline
▲ 0.50% · 4.625%
HK$113,014
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,710/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,001 · Scale 2, in force from 26 Feb 2026)