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$50,922
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,506
−HK$1,610/mo
Today · 4.125%
HK$54,116
baseline
▲ 0.50% · 4.625%
HK$57,408
+HK$3,292/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,232/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,651
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,170
−HK$1,541/mo
Today · 4.125%
HK$59,711
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,148/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,422/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,107
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,007
−HK$1,932/mo
Today · 4.125%
HK$64,939
baseline
▲ 0.50% · 4.625%
HK$68,890
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,878/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,981
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,804
−HK$1,849/mo
Today · 4.125%
HK$71,653
baseline
▲ 0.50% · 4.625%
HK$75,430
+HK$3,777/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,306/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,291
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,509
−HK$2,253/mo
Today · 4.125%
HK$75,762
baseline
▲ 0.50% · 4.625%
HK$80,372
+HK$4,610/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,524/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,311
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,438
−HK$2,158/mo
Today · 4.125%
HK$83,596
baseline
▲ 0.50% · 4.625%
HK$88,002
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,192/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,660
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,511
−HK$2,897/mo
Today · 4.125%
HK$97,408
baseline
▲ 0.50% · 4.625%
HK$103,335
+HK$5,927/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,816/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,971
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,706
−HK$2,774/mo
Today · 4.125%
HK$107,480
baseline
▲ 0.50% · 4.625%
HK$113,146
+HK$5,666/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,960/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,103 · Scale 2, in force from 26 Feb 2026)