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$50,879
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,462
−HK$1,608/mo
Today · 4.125%
HK$54,070
baseline
▲ 0.50% · 4.625%
HK$57,360
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,140/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,603
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,121
−HK$1,540/mo
Today · 4.125%
HK$59,661
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,145/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,322/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,055
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,954
−HK$1,930/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,832
+HK$3,948/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,923
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,745
−HK$1,848/mo
Today · 4.125%
HK$71,593
baseline
▲ 0.50% · 4.625%
HK$75,367
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,186/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,231
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,447
−HK$2,251/mo
Today · 4.125%
HK$75,698
baseline
▲ 0.50% · 4.625%
HK$80,304
+HK$4,606/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,396/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,244
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,369
−HK$2,156/mo
Today · 4.125%
HK$83,525
baseline
▲ 0.50% · 4.625%
HK$87,928
+HK$4,403/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,050/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,583
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,432
−HK$2,894/mo
Today · 4.125%
HK$97,326
baseline
▲ 0.50% · 4.625%
HK$103,248
+HK$5,922/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,652/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,885
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,618
−HK$2,772/mo
Today · 4.125%
HK$107,390
baseline
▲ 0.50% · 4.625%
HK$113,050
+HK$5,660/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,780/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,304 · Scale 2, in force from 26 Feb 2026)