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$50,917
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,500
−HK$1,609/mo
Today · 4.125%
HK$54,109
baseline
▲ 0.50% · 4.625%
HK$57,402
+HK$3,293/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,218/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,644
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,163
−HK$1,541/mo
Today · 4.125%
HK$59,704
baseline
▲ 0.50% · 4.625%
HK$62,852
+HK$3,148/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,408/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,100
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$63,000
−HK$1,931/mo
Today · 4.125%
HK$64,931
baseline
▲ 0.50% · 4.625%
HK$68,882
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,862/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,973
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,796
−HK$1,849/mo
Today · 4.125%
HK$71,645
baseline
▲ 0.50% · 4.625%
HK$75,422
+HK$3,777/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,290/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,283
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,501
−HK$2,252/mo
Today · 4.125%
HK$75,753
baseline
▲ 0.50% · 4.625%
HK$80,363
+HK$4,610/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,506/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,302
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,429
−HK$2,157/mo
Today · 4.125%
HK$83,586
baseline
▲ 0.50% · 4.625%
HK$87,992
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,172/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,650
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,501
−HK$2,896/mo
Today · 4.125%
HK$97,397
baseline
▲ 0.50% · 4.625%
HK$103,323
+HK$5,926/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,794/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,960
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,694
−HK$2,774/mo
Today · 4.125%
HK$107,468
baseline
▲ 0.50% · 4.625%
HK$113,133
+HK$5,665/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,936/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,997 · Scale 2, in force from 26 Feb 2026)