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$50,850
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,432
−HK$1,607/mo
Today · 4.125%
HK$54,039
baseline
▲ 0.50% · 4.625%
HK$57,327
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,078/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,570
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,088
−HK$1,539/mo
Today · 4.125%
HK$59,627
baseline
▲ 0.50% · 4.625%
HK$62,770
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,254/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,020
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,918
−HK$1,929/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,793
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,885
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,705
−HK$1,847/mo
Today · 4.125%
HK$71,552
baseline
▲ 0.50% · 4.625%
HK$75,324
+HK$3,772/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,104/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,190
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,405
−HK$2,250/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$80,258
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,199
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,323
−HK$2,154/mo
Today · 4.125%
HK$83,477
baseline
▲ 0.50% · 4.625%
HK$87,878
+HK$4,401/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,954/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,531
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,378
−HK$2,892/mo
Today · 4.125%
HK$97,270
baseline
▲ 0.50% · 4.625%
HK$103,189
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,540/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,827
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,558
−HK$2,770/mo
Today · 4.125%
HK$107,328
baseline
▲ 0.50% · 4.625%
HK$112,986
+HK$5,658/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,656/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,761 · Scale 2, in force from 26 Feb 2026)