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$50,867
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,450
−HK$1,607/mo
Today · 4.125%
HK$54,057
baseline
▲ 0.50% · 4.625%
HK$57,346
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,114/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,589
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,107
−HK$1,540/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$62,791
+HK$3,144/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,041
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,939
−HK$1,930/mo
Today · 4.125%
HK$64,869
baseline
▲ 0.50% · 4.625%
HK$68,816
+HK$3,947/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,738/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,907
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,728
−HK$1,848/mo
Today · 4.125%
HK$71,576
baseline
▲ 0.50% · 4.625%
HK$75,349
+HK$3,773/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,152/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,214
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,429
−HK$2,251/mo
Today · 4.125%
HK$75,680
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,605/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$151,360/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,225
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,350
−HK$2,155/mo
Today · 4.125%
HK$83,505
baseline
▲ 0.50% · 4.625%
HK$87,907
+HK$4,402/mo
Deposit HK$6.69M · loan HK$15.62M · min. income ≈ HK$167,010/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,561
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,409
−HK$2,894/mo
Today · 4.125%
HK$97,303
baseline
▲ 0.50% · 4.625%
HK$103,223
+HK$5,920/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$194,606/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,861
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,593
−HK$2,771/mo
Today · 4.125%
HK$107,364
baseline
▲ 0.50% · 4.625%
HK$113,023
+HK$5,659/mo
Deposit HK$2.23M · loan HK$20.08M · min. income ≈ HK$214,728/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,077 · Scale 2, in force from 26 Feb 2026)