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$50,851
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,432
−HK$1,607/mo
Today · 4.125%
HK$54,039
baseline
▲ 0.50% · 4.625%
HK$57,328
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,078/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,571
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,088
−HK$1,539/mo
Today · 4.125%
HK$59,627
baseline
▲ 0.50% · 4.625%
HK$62,770
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,254/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,021
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,919
−HK$1,928/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,793
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,885
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,706
−HK$1,847/mo
Today · 4.125%
HK$71,553
baseline
▲ 0.50% · 4.625%
HK$75,324
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,106/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,191
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,405
−HK$2,250/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$80,259
+HK$4,604/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,199
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,323
−HK$2,155/mo
Today · 4.125%
HK$83,478
baseline
▲ 0.50% · 4.625%
HK$87,878
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,956/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,531
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,378
−HK$2,893/mo
Today · 4.125%
HK$97,271
baseline
▲ 0.50% · 4.625%
HK$103,190
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,542/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,827
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,558
−HK$2,771/mo
Today · 4.125%
HK$107,329
baseline
▲ 0.50% · 4.625%
HK$112,986
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,658/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,768 · Scale 2, in force from 26 Feb 2026)