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$50,970
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,555
−HK$1,611/mo
Today · 4.125%
HK$54,166
baseline
▲ 0.50% · 4.625%
HK$57,462
+HK$3,296/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,332/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,703
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,224
−HK$1,543/mo
Today · 4.125%
HK$59,767
baseline
▲ 0.50% · 4.625%
HK$62,917
+HK$3,150/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,534/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,164
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,066
−HK$1,933/mo
Today · 4.125%
HK$64,999
baseline
▲ 0.50% · 4.625%
HK$68,954
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,998/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,869
−HK$1,851/mo
Today · 4.125%
HK$71,720
baseline
▲ 0.50% · 4.625%
HK$75,501
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,440/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,358
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,577
−HK$2,255/mo
Today · 4.125%
HK$75,832
baseline
▲ 0.50% · 4.625%
HK$80,447
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,664/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,385
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,514
−HK$2,160/mo
Today · 4.125%
HK$83,674
baseline
▲ 0.50% · 4.625%
HK$88,084
+HK$4,410/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,348/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,746
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,599
−HK$2,900/mo
Today · 4.125%
HK$97,499
baseline
▲ 0.50% · 4.625%
HK$103,431
+HK$5,932/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$194,998/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,066
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,803
−HK$2,777/mo
Today · 4.125%
HK$107,580
baseline
▲ 0.50% · 4.625%
HK$113,251
+HK$5,671/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,160/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$949,987 · Scale 2, in force from 26 Feb 2026)