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$50,890
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,473
−HK$1,609/mo
Today · 4.125%
HK$54,082
baseline
▲ 0.50% · 4.625%
HK$57,372
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,164/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,615
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,134
−HK$1,540/mo
Today · 4.125%
HK$59,674
baseline
▲ 0.50% · 4.625%
HK$62,819
+HK$3,145/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,348/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,069
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,968
−HK$1,930/mo
Today · 4.125%
HK$64,898
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,796/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,938
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,760
−HK$1,849/mo
Today · 4.125%
HK$71,609
baseline
▲ 0.50% · 4.625%
HK$75,383
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,218/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,247
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,463
−HK$2,251/mo
Today · 4.125%
HK$75,714
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,607/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,428/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,261
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,387
−HK$2,156/mo
Today · 4.125%
HK$83,543
baseline
▲ 0.50% · 4.625%
HK$87,947
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,086/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,603
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,452
−HK$2,895/mo
Today · 4.125%
HK$97,347
baseline
▲ 0.50% · 4.625%
HK$103,270
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,694/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,907
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,640
−HK$2,773/mo
Today · 4.125%
HK$107,413
baseline
▲ 0.50% · 4.625%
HK$113,075
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,826/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,510 · Scale 2, in force from 26 Feb 2026)