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$50,963
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,610/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$3,296/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,696
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,217
−HK$1,542/mo
Today · 4.125%
HK$59,759
baseline
▲ 0.50% · 4.625%
HK$62,909
+HK$3,150/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,518/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,156
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,933/mo
Today · 4.125%
HK$64,991
baseline
▲ 0.50% · 4.625%
HK$68,946
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,982/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,036
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,860
−HK$1,851/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$75,491
+HK$3,780/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,349
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,568
−HK$2,255/mo
Today · 4.125%
HK$75,823
baseline
▲ 0.50% · 4.625%
HK$80,437
+HK$4,614/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,646/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,375
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,504
−HK$2,159/mo
Today · 4.125%
HK$83,663
baseline
▲ 0.50% · 4.625%
HK$88,073
+HK$4,410/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,326/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,734
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,588
−HK$2,899/mo
Today · 4.125%
HK$97,487
baseline
▲ 0.50% · 4.625%
HK$103,419
+HK$5,932/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,974/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,053
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,790
−HK$2,777/mo
Today · 4.125%
HK$107,567
baseline
▲ 0.50% · 4.625%
HK$113,237
+HK$5,670/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,134/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,871 · Scale 2, in force from 26 Feb 2026)