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$50,858
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,440
−HK$1,608/mo
Today · 4.125%
HK$54,048
baseline
▲ 0.50% · 4.625%
HK$57,336
+HK$3,288/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,096/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,579
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,097
−HK$1,539/mo
Today · 4.125%
HK$59,636
baseline
▲ 0.50% · 4.625%
HK$62,780
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,272/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,030
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,928
−HK$1,929/mo
Today · 4.125%
HK$64,857
baseline
▲ 0.50% · 4.625%
HK$68,803
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,714/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,895
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,716
−HK$1,847/mo
Today · 4.125%
HK$71,563
baseline
▲ 0.50% · 4.625%
HK$75,336
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,126/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,202
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,416
−HK$2,251/mo
Today · 4.125%
HK$75,667
baseline
▲ 0.50% · 4.625%
HK$80,271
+HK$4,604/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,334/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,211
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,336
−HK$2,155/mo
Today · 4.125%
HK$83,491
baseline
▲ 0.50% · 4.625%
HK$87,892
+HK$4,401/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,982/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,545
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,393
−HK$2,893/mo
Today · 4.125%
HK$97,286
baseline
▲ 0.50% · 4.625%
HK$103,205
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,572/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,843
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,574
−HK$2,771/mo
Today · 4.125%
HK$107,345
baseline
▲ 0.50% · 4.625%
HK$113,003
+HK$5,658/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,690/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,911 · Scale 2, in force from 26 Feb 2026)