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$50,888
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,471
−HK$1,608/mo
Today · 4.125%
HK$54,079
baseline
▲ 0.50% · 4.625%
HK$57,370
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,158/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,613
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,540/mo
Today · 4.125%
HK$59,671
baseline
▲ 0.50% · 4.625%
HK$62,817
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,342/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,066
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,965
−HK$1,930/mo
Today · 4.125%
HK$64,895
baseline
▲ 0.50% · 4.625%
HK$68,844
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,790/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,935
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$1,849/mo
Today · 4.125%
HK$71,606
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,212/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,244
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,460
−HK$2,251/mo
Today · 4.125%
HK$75,711
baseline
▲ 0.50% · 4.625%
HK$80,318
+HK$4,607/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,422/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,258
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,383
−HK$2,157/mo
Today · 4.125%
HK$83,540
baseline
▲ 0.50% · 4.625%
HK$87,943
+HK$4,403/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,080/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,599
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,448
−HK$2,895/mo
Today · 4.125%
HK$97,343
baseline
▲ 0.50% · 4.625%
HK$103,266
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,686/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,903
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,636
−HK$2,772/mo
Today · 4.125%
HK$107,408
baseline
▲ 0.50% · 4.625%
HK$113,070
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,816/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,469 · Scale 2, in force from 26 Feb 2026)