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$50,839
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,420
−HK$1,607/mo
Today · 4.125%
HK$54,027
baseline
▲ 0.50% · 4.625%
HK$57,314
+HK$3,287/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,054/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,558
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,074
−HK$1,539/mo
Today · 4.125%
HK$59,613
baseline
▲ 0.50% · 4.625%
HK$62,755
+HK$3,142/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,226/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,006
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,928/mo
Today · 4.125%
HK$64,832
baseline
▲ 0.50% · 4.625%
HK$68,777
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,664/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,869
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,689
−HK$1,847/mo
Today · 4.125%
HK$71,536
baseline
▲ 0.50% · 4.625%
HK$75,307
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,072/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,174
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,388
−HK$2,249/mo
Today · 4.125%
HK$75,637
baseline
▲ 0.50% · 4.625%
HK$80,240
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,274/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,181
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,304
−HK$2,154/mo
Today · 4.125%
HK$83,458
baseline
▲ 0.50% · 4.625%
HK$87,858
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,916/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,510
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,356
−HK$2,892/mo
Today · 4.125%
HK$97,248
baseline
▲ 0.50% · 4.625%
HK$103,165
+HK$5,917/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,496/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,804
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,534
−HK$2,770/mo
Today · 4.125%
HK$107,304
baseline
▲ 0.50% · 4.625%
HK$112,960
+HK$5,656/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,608/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,546 · Scale 2, in force from 26 Feb 2026)