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$50,862
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,444
−HK$1,608/mo
Today · 4.125%
HK$54,052
baseline
▲ 0.50% · 4.625%
HK$57,341
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,104/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,584
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,540/mo
Today · 4.125%
HK$59,641
baseline
▲ 0.50% · 4.625%
HK$62,785
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,282/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,035
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,933
−HK$1,929/mo
Today · 4.125%
HK$64,862
baseline
▲ 0.50% · 4.625%
HK$68,809
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,724/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,900
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,722
−HK$1,847/mo
Today · 4.125%
HK$71,569
baseline
▲ 0.50% · 4.625%
HK$75,341
+HK$3,772/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,138/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,207
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,422
−HK$2,250/mo
Today · 4.125%
HK$75,672
baseline
▲ 0.50% · 4.625%
HK$80,277
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,344/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,217
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,342
−HK$2,155/mo
Today · 4.125%
HK$83,497
baseline
▲ 0.50% · 4.625%
HK$87,898
+HK$4,401/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,994/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,552
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,400
−HK$2,893/mo
Today · 4.125%
HK$97,293
baseline
▲ 0.50% · 4.625%
HK$103,213
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,586/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,851
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,582
−HK$2,771/mo
Today · 4.125%
HK$107,353
baseline
▲ 0.50% · 4.625%
HK$113,012
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,706/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,984 · Scale 2, in force from 26 Feb 2026)