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$50,842
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,424
−HK$1,607/mo
Today · 4.125%
HK$54,031
baseline
▲ 0.50% · 4.625%
HK$57,318
+HK$3,287/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,062/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,561
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,078
−HK$1,539/mo
Today · 4.125%
HK$59,617
baseline
▲ 0.50% · 4.625%
HK$62,760
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,234/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,011
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,929/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,782
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,694
−HK$1,847/mo
Today · 4.125%
HK$71,541
baseline
▲ 0.50% · 4.625%
HK$75,312
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,082/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,179
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,393
−HK$2,250/mo
Today · 4.125%
HK$75,643
baseline
▲ 0.50% · 4.625%
HK$80,245
+HK$4,602/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,286/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,186
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,310
−HK$2,154/mo
Today · 4.125%
HK$83,464
baseline
▲ 0.50% · 4.625%
HK$87,864
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,928/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,516
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,363
−HK$2,892/mo
Today · 4.125%
HK$97,255
baseline
▲ 0.50% · 4.625%
HK$103,173
+HK$5,918/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,510/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,811
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,541
−HK$2,770/mo
Today · 4.125%
HK$107,311
baseline
▲ 0.50% · 4.625%
HK$112,968
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,622/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,611 · Scale 2, in force from 26 Feb 2026)