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$50,830
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,411
−HK$1,607/mo
Today · 4.125%
HK$54,018
baseline
▲ 0.50% · 4.625%
HK$57,304
+HK$3,286/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,036/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,548
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,065
−HK$1,538/mo
Today · 4.125%
HK$59,603
baseline
▲ 0.50% · 4.625%
HK$62,745
+HK$3,142/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,206/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,996
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,893
−HK$1,928/mo
Today · 4.125%
HK$64,821
baseline
▲ 0.50% · 4.625%
HK$68,765
+HK$3,944/mo
Deposit HK$8.92M · loan HK$13.37M · min. income ≈ HK$129,642/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,858
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,677
−HK$1,847/mo
Today · 4.125%
HK$71,524
baseline
▲ 0.50% · 4.625%
HK$75,294
+HK$3,770/mo
Deposit HK$8.92M · loan HK$13.37M · min. income ≈ HK$143,048/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,162
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,376
−HK$2,249/mo
Today · 4.125%
HK$75,625
baseline
▲ 0.50% · 4.625%
HK$80,226
+HK$4,601/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$151,250/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,167
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,290
−HK$2,154/mo
Today · 4.125%
HK$83,444
baseline
▲ 0.50% · 4.625%
HK$87,843
+HK$4,399/mo
Deposit HK$6.69M · loan HK$15.60M · min. income ≈ HK$166,888/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,494
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,340
−HK$2,892/mo
Today · 4.125%
HK$97,232
baseline
▲ 0.50% · 4.625%
HK$103,148
+HK$5,916/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$194,464/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,786
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,516
−HK$2,770/mo
Today · 4.125%
HK$107,286
baseline
▲ 0.50% · 4.625%
HK$112,941
+HK$5,655/mo
Deposit HK$2.23M · loan HK$20.06M · min. income ≈ HK$214,572/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,385 · Scale 2, in force from 26 Feb 2026)