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$50,859
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,441
−HK$1,607/mo
Today · 4.125%
HK$54,048
baseline
▲ 0.50% · 4.625%
HK$57,337
+HK$3,289/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$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,580
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,097
−HK$1,540/mo
Today · 4.125%
HK$59,637
baseline
▲ 0.50% · 4.625%
HK$62,780
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,274/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,030
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,929
−HK$1,928/mo
Today · 4.125%
HK$64,857
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,947/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$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,717
−HK$1,847/mo
Today · 4.125%
HK$71,564
baseline
▲ 0.50% · 4.625%
HK$75,336
+HK$3,772/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,128/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,202
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,417
−HK$2,250/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$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,212
−HK$4,279/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$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,546
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,393
−HK$2,893/mo
Today · 4.125%
HK$97,286
baseline
▲ 0.50% · 4.625%
HK$103,206
+HK$5,920/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$947,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,843
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,575
−HK$2,771/mo
Today · 4.125%
HK$107,346
baseline
▲ 0.50% · 4.625%
HK$113,004
+HK$5,658/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,692/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,917 · Scale 2, in force from 26 Feb 2026)