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$50,912
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,609/mo
Today · 4.125%
HK$54,105
baseline
▲ 0.50% · 4.625%
HK$57,397
+HK$3,292/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,210/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,639
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,541/mo
Today · 4.125%
HK$59,699
baseline
▲ 0.50% · 4.625%
HK$62,846
+HK$3,147/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,398/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,095
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,995
−HK$1,931/mo
Today · 4.125%
HK$64,926
baseline
▲ 0.50% · 4.625%
HK$68,876
+HK$3,950/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,852/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,790
−HK$1,849/mo
Today · 4.125%
HK$71,639
baseline
▲ 0.50% · 4.625%
HK$75,415
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,278/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,277
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,494
−HK$2,253/mo
Today · 4.125%
HK$75,747
baseline
▲ 0.50% · 4.625%
HK$80,356
+HK$4,609/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,494/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,295
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,422
−HK$2,157/mo
Today · 4.125%
HK$83,579
baseline
▲ 0.50% · 4.625%
HK$87,985
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,158/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,642
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,492
−HK$2,897/mo
Today · 4.125%
HK$97,389
baseline
▲ 0.50% · 4.625%
HK$103,314
+HK$5,925/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,778/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,951
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,685
−HK$2,774/mo
Today · 4.125%
HK$107,459
baseline
▲ 0.50% · 4.625%
HK$113,123
+HK$5,664/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,918/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,914 · Scale 2, in force from 26 Feb 2026)