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$50,877
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,459
−HK$1,608/mo
Today · 4.125%
HK$54,067
baseline
▲ 0.50% · 4.625%
HK$57,357
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,134/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,600
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,118
−HK$1,540/mo
Today · 4.125%
HK$59,658
baseline
▲ 0.50% · 4.625%
HK$62,802
+HK$3,144/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,316/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,052
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,951
−HK$1,930/mo
Today · 4.125%
HK$64,881
baseline
▲ 0.50% · 4.625%
HK$68,828
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.39M · min. income ≈ HK$129,762/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,920
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,741
−HK$1,848/mo
Today · 4.125%
HK$71,589
baseline
▲ 0.50% · 4.625%
HK$75,363
+HK$3,774/mo
Deposit HK$8.92M · loan HK$13.39M · min. income ≈ HK$143,178/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,227
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,443
−HK$2,251/mo
Today · 4.125%
HK$75,694
baseline
▲ 0.50% · 4.625%
HK$80,300
+HK$4,606/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,388/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,240
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,365
−HK$2,156/mo
Today · 4.125%
HK$83,521
baseline
▲ 0.50% · 4.625%
HK$87,923
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,042/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,578
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,427
−HK$2,894/mo
Today · 4.125%
HK$97,321
baseline
▲ 0.50% · 4.625%
HK$103,243
+HK$5,922/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,642/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,880
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,612
−HK$2,772/mo
Today · 4.125%
HK$107,384
baseline
▲ 0.50% · 4.625%
HK$113,044
+HK$5,660/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,768/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,253 · Scale 2, in force from 26 Feb 2026)