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$50,887
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,470
−HK$1,608/mo
Today · 4.125%
HK$54,078
baseline
▲ 0.50% · 4.625%
HK$57,368
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,156/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,611
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,129
−HK$1,540/mo
Today · 4.125%
HK$59,669
baseline
▲ 0.50% · 4.625%
HK$62,815
+HK$3,146/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,338/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,064
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,963
−HK$1,930/mo
Today · 4.125%
HK$64,893
baseline
▲ 0.50% · 4.625%
HK$68,842
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,786/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,933
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,755
−HK$1,848/mo
Today · 4.125%
HK$71,603
baseline
▲ 0.50% · 4.625%
HK$75,378
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,206/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,241
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,457
−HK$2,252/mo
Today · 4.125%
HK$75,709
baseline
▲ 0.50% · 4.625%
HK$80,316
+HK$4,607/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,418/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,255
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,381
−HK$2,156/mo
Today · 4.125%
HK$83,537
baseline
▲ 0.50% · 4.625%
HK$87,941
+HK$4,404/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,074/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,596
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,445
−HK$2,895/mo
Today · 4.125%
HK$97,340
baseline
▲ 0.50% · 4.625%
HK$103,263
+HK$5,923/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,680/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,900
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,633
−HK$2,772/mo
Today · 4.125%
HK$107,405
baseline
▲ 0.50% · 4.625%
HK$113,067
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,810/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,440 · Scale 2, in force from 26 Feb 2026)