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$50,820
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,401
−HK$1,606/mo
Today · 4.125%
HK$54,007
baseline
▲ 0.50% · 4.625%
HK$57,293
+HK$3,286/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$108,014/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,537
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$58,053
−HK$1,538/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$62,733
+HK$3,142/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,984
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,881
−HK$1,927/mo
Today · 4.125%
HK$64,808
baseline
▲ 0.50% · 4.625%
HK$68,752
+HK$3,944/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$129,616/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,844
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,664
−HK$1,846/mo
Today · 4.125%
HK$71,510
baseline
▲ 0.50% · 4.625%
HK$75,279
+HK$3,769/mo
Deposit HK$8.91M · loan HK$13.37M · min. income ≈ HK$143,020/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,148
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,361
−HK$2,249/mo
Today · 4.125%
HK$75,610
baseline
▲ 0.50% · 4.625%
HK$80,210
+HK$4,600/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,220/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,152
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,274
−HK$2,154/mo
Today · 4.125%
HK$83,428
baseline
▲ 0.50% · 4.625%
HK$87,826
+HK$4,398/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,856/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,476
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,322
−HK$2,891/mo
Today · 4.125%
HK$97,213
baseline
▲ 0.50% · 4.625%
HK$103,128
+HK$5,915/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,426/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,766
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,496
−HK$2,768/mo
Today · 4.125%
HK$107,264
baseline
▲ 0.50% · 4.625%
HK$112,919
+HK$5,655/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,528/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,199 · Scale 2, in force from 26 Feb 2026)