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$50,744
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,322
−HK$1,604/mo
Today · 4.125%
HK$53,926
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$3,281/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$107,852/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,452
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,536/mo
Today · 4.125%
HK$59,502
baseline
▲ 0.50% · 4.625%
HK$62,638
+HK$3,136/mo
Deposit HK$11.13M · loan HK$11.13M · min. income ≈ HK$119,004/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,892
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,786
−HK$1,925/mo
Today · 4.125%
HK$64,711
baseline
▲ 0.50% · 4.625%
HK$68,648
+HK$3,937/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$129,422/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,742
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$1,843/mo
Today · 4.125%
HK$71,402
baseline
▲ 0.50% · 4.625%
HK$75,166
+HK$3,764/mo
Deposit HK$8.90M · loan HK$13.35M · min. income ≈ HK$142,804/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,041
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,251
−HK$2,245/mo
Today · 4.125%
HK$75,496
baseline
▲ 0.50% · 4.625%
HK$80,090
+HK$4,594/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$150,992/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,033
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,152
−HK$2,150/mo
Today · 4.125%
HK$83,302
baseline
▲ 0.50% · 4.625%
HK$87,693
+HK$4,391/mo
Deposit HK$6.68M · loan HK$15.58M · min. income ≈ HK$166,604/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,339
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,180
−HK$2,886/mo
Today · 4.125%
HK$97,066
baseline
▲ 0.50% · 4.625%
HK$102,973
+HK$5,907/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$194,132/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,613
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,338
−HK$2,765/mo
Today · 4.125%
HK$107,103
baseline
▲ 0.50% · 4.625%
HK$112,749
+HK$5,646/mo
Deposit HK$2.23M · loan HK$20.03M · min. income ≈ HK$214,206/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$945,773 · Scale 2, in force from 26 Feb 2026)