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$50,840
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,421
−HK$1,607/mo
Today · 4.125%
HK$54,028
baseline
▲ 0.50% · 4.625%
HK$57,315
+HK$3,287/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,056/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,559
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,075
−HK$1,539/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$62,757
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,008
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,905
−HK$1,928/mo
Today · 4.125%
HK$64,833
baseline
▲ 0.50% · 4.625%
HK$68,778
+HK$3,945/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,666/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,870
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,691
−HK$1,846/mo
Today · 4.125%
HK$71,537
baseline
▲ 0.50% · 4.625%
HK$75,308
+HK$3,771/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,074/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,175
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,389
−HK$2,250/mo
Today · 4.125%
HK$75,639
baseline
▲ 0.50% · 4.625%
HK$80,241
+HK$4,602/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,278/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,182
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,306
−HK$2,154/mo
Today · 4.125%
HK$83,460
baseline
▲ 0.50% · 4.625%
HK$87,859
+HK$4,399/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,920/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,511
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,358
−HK$2,892/mo
Today · 4.125%
HK$97,250
baseline
▲ 0.50% · 4.625%
HK$103,167
+HK$5,917/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,500/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,805
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,536
−HK$2,770/mo
Today · 4.125%
HK$107,306
baseline
▲ 0.50% · 4.625%
HK$112,962
+HK$5,656/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,612/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,562 · Scale 2, in force from 26 Feb 2026)