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$50,849
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,431
−HK$1,607/mo
Today · 4.125%
HK$54,038
baseline
▲ 0.50% · 4.625%
HK$57,326
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,076/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,569
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,086
−HK$1,540/mo
Today · 4.125%
HK$59,626
baseline
▲ 0.50% · 4.625%
HK$62,768
+HK$3,142/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,252/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,929/mo
Today · 4.125%
HK$64,846
baseline
▲ 0.50% · 4.625%
HK$68,791
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,692/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$1,847/mo
Today · 4.125%
HK$71,551
baseline
▲ 0.50% · 4.625%
HK$75,322
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,102/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,189
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,403
−HK$2,250/mo
Today · 4.125%
HK$75,653
baseline
▲ 0.50% · 4.625%
HK$80,256
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,306/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,197
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,321
−HK$2,155/mo
Today · 4.125%
HK$83,476
baseline
▲ 0.50% · 4.625%
HK$87,876
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,952/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,529
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,376
−HK$2,892/mo
Today · 4.125%
HK$97,268
baseline
▲ 0.50% · 4.625%
HK$103,187
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,536/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,825
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,556
−HK$2,770/mo
Today · 4.125%
HK$107,326
baseline
▲ 0.50% · 4.625%
HK$112,983
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,652/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,741 · Scale 2, in force from 26 Feb 2026)