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$50,953
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,538
−HK$1,610/mo
Today · 4.125%
HK$54,148
baseline
▲ 0.50% · 4.625%
HK$57,443
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,296/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,685
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,542/mo
Today · 4.125%
HK$59,747
baseline
▲ 0.50% · 4.625%
HK$62,897
+HK$3,150/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,494/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,144
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,932/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,932
+HK$3,954/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,022
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$1,851/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$75,476
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,334
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,553
−HK$2,255/mo
Today · 4.125%
HK$75,808
baseline
▲ 0.50% · 4.625%
HK$80,420
+HK$4,612/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,616/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,359
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,487
−HK$2,159/mo
Today · 4.125%
HK$83,646
baseline
▲ 0.50% · 4.625%
HK$88,055
+HK$4,409/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,292/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,715
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,568
−HK$2,899/mo
Today · 4.125%
HK$97,467
baseline
▲ 0.50% · 4.625%
HK$103,397
+HK$5,930/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,934/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,033
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,769
−HK$2,776/mo
Today · 4.125%
HK$107,545
baseline
▲ 0.50% · 4.625%
HK$113,214
+HK$5,669/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,090/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,676 · Scale 2, in force from 26 Feb 2026)