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$50,868
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,608/mo
Today · 4.125%
HK$54,058
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,116/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,590
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,108
−HK$1,539/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$62,791
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,041
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,940
−HK$1,929/mo
Today · 4.125%
HK$64,869
baseline
▲ 0.50% · 4.625%
HK$68,816
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,738/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,908
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,729
−HK$1,848/mo
Today · 4.125%
HK$71,577
baseline
▲ 0.50% · 4.625%
HK$75,350
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,154/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,215
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,430
−HK$2,251/mo
Today · 4.125%
HK$75,681
baseline
▲ 0.50% · 4.625%
HK$80,286
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,362/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,226
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,351
−HK$2,155/mo
Today · 4.125%
HK$83,506
baseline
▲ 0.50% · 4.625%
HK$87,908
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,012/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,562
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,410
−HK$2,894/mo
Today · 4.125%
HK$97,304
baseline
▲ 0.50% · 4.625%
HK$103,224
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,608/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,862
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,594
−HK$2,771/mo
Today · 4.125%
HK$107,365
baseline
▲ 0.50% · 4.625%
HK$113,024
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,730/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,087 · Scale 2, in force from 26 Feb 2026)