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$50,835
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,606/mo
Today · 4.125%
HK$54,022
baseline
▲ 0.50% · 4.625%
HK$57,309
+HK$3,287/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,044/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,553
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,070
−HK$1,538/mo
Today · 4.125%
HK$59,608
baseline
▲ 0.50% · 4.625%
HK$62,750
+HK$3,142/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,216/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,001
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,899
−HK$1,928/mo
Today · 4.125%
HK$64,827
baseline
▲ 0.50% · 4.625%
HK$68,771
+HK$3,944/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,654/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,864
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,684
−HK$1,846/mo
Today · 4.125%
HK$71,530
baseline
▲ 0.50% · 4.625%
HK$75,300
+HK$3,770/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,060/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,168
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$2,249/mo
Today · 4.125%
HK$75,631
baseline
▲ 0.50% · 4.625%
HK$80,233
+HK$4,602/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,262/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,174
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,298
−HK$2,154/mo
Today · 4.125%
HK$83,452
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$4,399/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,904/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,502
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,348
−HK$2,892/mo
Today · 4.125%
HK$97,240
baseline
▲ 0.50% · 4.625%
HK$103,157
+HK$5,917/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,480/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,795
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,525
−HK$2,770/mo
Today · 4.125%
HK$107,295
baseline
▲ 0.50% · 4.625%
HK$112,951
+HK$5,656/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,590/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,468 · Scale 2, in force from 26 Feb 2026)