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$50,880
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,463
−HK$1,608/mo
Today · 4.125%
HK$54,071
baseline
▲ 0.50% · 4.625%
HK$57,361
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,142/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,604
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,122
−HK$1,540/mo
Today · 4.125%
HK$59,662
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,144/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,324/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,056
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,955
−HK$1,930/mo
Today · 4.125%
HK$64,885
baseline
▲ 0.50% · 4.625%
HK$68,833
+HK$3,948/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,770/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,924
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,746
−HK$1,848/mo
Today · 4.125%
HK$71,594
baseline
▲ 0.50% · 4.625%
HK$75,368
+HK$3,774/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,188/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,232
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,448
−HK$2,251/mo
Today · 4.125%
HK$75,699
baseline
▲ 0.50% · 4.625%
HK$80,305
+HK$4,606/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,398/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,245
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,370
−HK$2,156/mo
Today · 4.125%
HK$83,526
baseline
▲ 0.50% · 4.625%
HK$87,929
+HK$4,403/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,052/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,584
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,433
−HK$2,894/mo
Today · 4.125%
HK$97,327
baseline
▲ 0.50% · 4.625%
HK$103,249
+HK$5,922/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,654/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,886
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,619
−HK$2,772/mo
Today · 4.125%
HK$107,391
baseline
▲ 0.50% · 4.625%
HK$113,052
+HK$5,661/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,782/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,315 · Scale 2, in force from 26 Feb 2026)