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$50,945
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,530
−HK$1,610/mo
Today · 4.125%
HK$54,140
baseline
▲ 0.50% · 4.625%
HK$57,434
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,280/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,676
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,196
−HK$1,542/mo
Today · 4.125%
HK$59,738
baseline
▲ 0.50% · 4.625%
HK$62,887
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,476/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,134
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,932/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,921
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,011
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,835
−HK$1,851/mo
Today · 4.125%
HK$71,686
baseline
▲ 0.50% · 4.625%
HK$75,465
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,372/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,324
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,542
−HK$2,254/mo
Today · 4.125%
HK$75,796
baseline
▲ 0.50% · 4.625%
HK$80,408
+HK$4,612/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,592/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,347
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,475
−HK$2,159/mo
Today · 4.125%
HK$83,634
baseline
▲ 0.50% · 4.625%
HK$88,042
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,268/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,702
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,554
−HK$2,898/mo
Today · 4.125%
HK$97,452
baseline
▲ 0.50% · 4.625%
HK$103,382
+HK$5,930/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,904/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,017
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,753
−HK$2,776/mo
Today · 4.125%
HK$107,529
baseline
▲ 0.50% · 4.625%
HK$113,197
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,058/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,533 · Scale 2, in force from 26 Feb 2026)