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$50,866
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,608/mo
Today · 4.125%
HK$54,056
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,112/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,588
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,105
−HK$1,540/mo
Today · 4.125%
HK$59,645
baseline
▲ 0.50% · 4.625%
HK$62,789
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,290/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,039
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,929/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,905
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$1,848/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,347
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,212
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,427
−HK$2,251/mo
Today · 4.125%
HK$75,678
baseline
▲ 0.50% · 4.625%
HK$80,283
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,356/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,223
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,347
−HK$2,156/mo
Today · 4.125%
HK$83,503
baseline
▲ 0.50% · 4.625%
HK$87,905
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$167,006/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,558
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,406
−HK$2,894/mo
Today · 4.125%
HK$97,300
baseline
▲ 0.50% · 4.625%
HK$103,220
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,600/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,858
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,590
−HK$2,771/mo
Today · 4.125%
HK$107,361
baseline
▲ 0.50% · 4.625%
HK$113,020
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,722/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,050 · Scale 2, in force from 26 Feb 2026)