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$50,824
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,405
−HK$1,606/mo
Today · 4.125%
HK$54,011
baseline
▲ 0.50% · 4.625%
HK$57,297
+HK$3,286/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$108,022/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,541
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,539/mo
Today · 4.125%
HK$59,596
baseline
▲ 0.50% · 4.625%
HK$62,737
+HK$3,141/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,192/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,989
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,927/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,944/mo
Deposit HK$8.92M · loan HK$13.37M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,849
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$1,846/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,285
+HK$3,770/mo
Deposit HK$8.92M · loan HK$13.37M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,153
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,367
−HK$2,248/mo
Today · 4.125%
HK$75,615
baseline
▲ 0.50% · 4.625%
HK$80,216
+HK$4,601/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,230/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,157
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,280
−HK$2,154/mo
Today · 4.125%
HK$83,434
baseline
▲ 0.50% · 4.625%
HK$87,832
+HK$4,398/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,868/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,483
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,329
−HK$2,891/mo
Today · 4.125%
HK$97,220
baseline
▲ 0.50% · 4.625%
HK$103,135
+HK$5,915/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,440/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,774
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,503
−HK$2,769/mo
Today · 4.125%
HK$107,272
baseline
▲ 0.50% · 4.625%
HK$112,927
+HK$5,655/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,544/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,269 · Scale 2, in force from 26 Feb 2026)