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$50,919
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,503
−HK$1,609/mo
Today · 4.125%
HK$54,112
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$3,293/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,224/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,647
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$58,166
−HK$1,541/mo
Today · 4.125%
HK$59,707
baseline
▲ 0.50% · 4.625%
HK$62,854
+HK$3,147/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,414/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,103
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$63,003
−HK$1,931/mo
Today · 4.125%
HK$64,934
baseline
▲ 0.50% · 4.625%
HK$68,885
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,868/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,976
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,799
−HK$1,850/mo
Today · 4.125%
HK$71,649
baseline
▲ 0.50% · 4.625%
HK$75,425
+HK$3,776/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,298/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,286
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,504
−HK$2,253/mo
Today · 4.125%
HK$75,757
baseline
▲ 0.50% · 4.625%
HK$80,366
+HK$4,609/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,514/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,305
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,432
−HK$2,158/mo
Today · 4.125%
HK$83,590
baseline
▲ 0.50% · 4.625%
HK$87,996
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,180/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,654
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,505
−HK$2,897/mo
Today · 4.125%
HK$97,402
baseline
▲ 0.50% · 4.625%
HK$103,328
+HK$5,926/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,804/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,964
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,699
−HK$2,774/mo
Today · 4.125%
HK$107,473
baseline
▲ 0.50% · 4.625%
HK$113,138
+HK$5,665/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,946/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,040 · Scale 2, in force from 26 Feb 2026)