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$50,898
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,482
−HK$1,608/mo
Today · 4.125%
HK$54,090
baseline
▲ 0.50% · 4.625%
HK$57,381
+HK$3,291/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,180/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,624
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,142
−HK$1,541/mo
Today · 4.125%
HK$59,683
baseline
▲ 0.50% · 4.625%
HK$62,829
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,366/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,078
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,978
−HK$1,930/mo
Today · 4.125%
HK$64,908
baseline
▲ 0.50% · 4.625%
HK$68,858
+HK$3,950/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,816/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,949
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,771
−HK$1,849/mo
Today · 4.125%
HK$71,620
baseline
▲ 0.50% · 4.625%
HK$75,395
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,240/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,258
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,474
−HK$2,252/mo
Today · 4.125%
HK$75,726
baseline
▲ 0.50% · 4.625%
HK$80,334
+HK$4,608/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,452/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,273
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,399
−HK$2,157/mo
Today · 4.125%
HK$83,556
baseline
▲ 0.50% · 4.625%
HK$87,961
+HK$4,405/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,112/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,617
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,467
−HK$2,895/mo
Today · 4.125%
HK$97,362
baseline
▲ 0.50% · 4.625%
HK$103,286
+HK$5,924/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,724/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,923
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,656
−HK$2,773/mo
Today · 4.125%
HK$107,429
baseline
▲ 0.50% · 4.625%
HK$113,092
+HK$5,663/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,858/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,655 · Scale 2, in force from 26 Feb 2026)