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$50,941
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,526
−HK$1,609/mo
Today · 4.125%
HK$54,135
baseline
▲ 0.50% · 4.625%
HK$57,429
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,270/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,671
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,191
−HK$1,542/mo
Today · 4.125%
HK$59,733
baseline
▲ 0.50% · 4.625%
HK$62,882
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,466/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,129
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,031
−HK$1,931/mo
Today · 4.125%
HK$64,962
baseline
▲ 0.50% · 4.625%
HK$68,915
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,924/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,006
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,829
−HK$1,851/mo
Today · 4.125%
HK$71,680
baseline
▲ 0.50% · 4.625%
HK$75,458
+HK$3,778/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,360/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,317
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,536
−HK$2,254/mo
Today · 4.125%
HK$75,790
baseline
▲ 0.50% · 4.625%
HK$80,401
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,580/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,340
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,468
−HK$2,158/mo
Today · 4.125%
HK$83,626
baseline
▲ 0.50% · 4.625%
HK$88,034
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,252/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,694
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,546
−HK$2,898/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$103,373
+HK$5,929/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,008
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,744
−HK$2,776/mo
Today · 4.125%
HK$107,520
baseline
▲ 0.50% · 4.625%
HK$113,187
+HK$5,667/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,040/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,451 · Scale 2, in force from 26 Feb 2026)