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$50,866
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,608/mo
Today · 4.125%
HK$54,056
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,112/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,588
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,106
−HK$1,539/mo
Today · 4.125%
HK$59,645
baseline
▲ 0.50% · 4.625%
HK$62,789
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,290/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,039
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,929/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,906
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,727
−HK$1,847/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,347
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,213
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,428
−HK$2,250/mo
Today · 4.125%
HK$75,678
baseline
▲ 0.50% · 4.625%
HK$80,283
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,356/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,223
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,348
−HK$2,155/mo
Today · 4.125%
HK$83,503
baseline
▲ 0.50% · 4.625%
HK$87,905
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,006/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,559
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,407
−HK$2,894/mo
Today · 4.125%
HK$97,301
baseline
▲ 0.50% · 4.625%
HK$103,221
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,602/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,859
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,590
−HK$2,772/mo
Today · 4.125%
HK$107,362
baseline
▲ 0.50% · 4.625%
HK$113,021
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,724/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,057 · Scale 2, in force from 26 Feb 2026)