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$50,852
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,607/mo
Today · 4.125%
HK$54,041
baseline
▲ 0.50% · 4.625%
HK$57,330
+HK$3,289/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$108,082/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,573
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,090
−HK$1,539/mo
Today · 4.125%
HK$59,629
baseline
▲ 0.50% · 4.625%
HK$62,772
+HK$3,143/mo
Deposit HK$11.15M · loan HK$11.15M · min. income ≈ HK$119,258/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,921
−HK$1,928/mo
Today · 4.125%
HK$64,849
baseline
▲ 0.50% · 4.625%
HK$68,795
+HK$3,946/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$129,698/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,887
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,708
−HK$1,847/mo
Today · 4.125%
HK$71,555
baseline
▲ 0.50% · 4.625%
HK$75,327
+HK$3,772/mo
Deposit HK$8.92M · loan HK$13.38M · min. income ≈ HK$143,110/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,193
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,408
−HK$2,250/mo
Today · 4.125%
HK$75,658
baseline
▲ 0.50% · 4.625%
HK$80,261
+HK$4,603/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$151,316/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,202
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,326
−HK$2,155/mo
Today · 4.125%
HK$83,481
baseline
▲ 0.50% · 4.625%
HK$87,881
+HK$4,400/mo
Deposit HK$6.69M · loan HK$15.61M · min. income ≈ HK$166,962/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,534
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,381
−HK$2,893/mo
Today · 4.125%
HK$97,274
baseline
▲ 0.50% · 4.625%
HK$103,193
+HK$5,919/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$194,548/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,831
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,562
−HK$2,771/mo
Today · 4.125%
HK$107,333
baseline
▲ 0.50% · 4.625%
HK$112,990
+HK$5,657/mo
Deposit HK$2.23M · loan HK$20.07M · min. income ≈ HK$214,666/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$947,799 · Scale 2, in force from 26 Feb 2026)