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$50,847
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,429
−HK$1,607/mo
Today · 4.125%
HK$54,036
baseline
▲ 0.50% · 4.625%
HK$57,324
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,072/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,567
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,084
−HK$1,539/mo
Today · 4.125%
HK$59,623
baseline
▲ 0.50% · 4.625%
HK$62,766
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,246/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,017
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,915
−HK$1,928/mo
Today · 4.125%
HK$64,843
baseline
▲ 0.50% · 4.625%
HK$68,789
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,686/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,881
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,701
−HK$1,847/mo
Today · 4.125%
HK$71,548
baseline
▲ 0.50% · 4.625%
HK$75,319
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,096/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,186
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,401
−HK$2,249/mo
Today · 4.125%
HK$75,650
baseline
▲ 0.50% · 4.625%
HK$80,253
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,300/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,194
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,318
−HK$2,155/mo
Today · 4.125%
HK$83,473
baseline
▲ 0.50% · 4.625%
HK$87,873
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,946/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,525
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,372
−HK$2,893/mo
Today · 4.125%
HK$97,265
baseline
▲ 0.50% · 4.625%
HK$103,183
+HK$5,918/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,530/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,821
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,552
−HK$2,770/mo
Today · 4.125%
HK$107,322
baseline
▲ 0.50% · 4.625%
HK$112,979
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,644/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,707 · Scale 2, in force from 26 Feb 2026)