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$50,901
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,609/mo
Today · 4.125%
HK$54,093
baseline
▲ 0.50% · 4.625%
HK$57,384
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,186/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,627
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,146
−HK$1,540/mo
Today · 4.125%
HK$59,686
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,372/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,081
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,981
−HK$1,931/mo
Today · 4.125%
HK$64,912
baseline
▲ 0.50% · 4.625%
HK$68,861
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,824/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,952
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,775
−HK$1,848/mo
Today · 4.125%
HK$71,623
baseline
▲ 0.50% · 4.625%
HK$75,399
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,246/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,261
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,478
−HK$2,252/mo
Today · 4.125%
HK$75,730
baseline
▲ 0.50% · 4.625%
HK$80,338
+HK$4,608/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,460/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,404
−HK$2,157/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$87,965
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,622
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,472
−HK$2,895/mo
Today · 4.125%
HK$97,367
baseline
▲ 0.50% · 4.625%
HK$103,292
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,734/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,928
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,662
−HK$2,773/mo
Today · 4.125%
HK$107,435
baseline
▲ 0.50% · 4.625%
HK$113,098
+HK$5,663/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,870/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,706 · Scale 2, in force from 26 Feb 2026)