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$50,936
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,520
−HK$1,610/mo
Today · 4.125%
HK$54,130
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,260/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,665
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,185
−HK$1,542/mo
Today · 4.125%
HK$59,727
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,148/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,454/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,123
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,932/mo
Today · 4.125%
HK$64,956
baseline
▲ 0.50% · 4.625%
HK$68,908
+HK$3,952/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,912/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,999
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,822
−HK$1,850/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$75,450
+HK$3,778/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,310
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$2,254/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$80,393
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,332
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,159/mo
Today · 4.125%
HK$83,618
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$4,407/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,236/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,684
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,536
−HK$2,898/mo
Today · 4.125%
HK$97,434
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,928/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,868/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,998
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,733
−HK$2,776/mo
Today · 4.125%
HK$107,509
baseline
▲ 0.50% · 4.625%
HK$113,175
+HK$5,666/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$215,018/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,354 · Scale 2, in force from 26 Feb 2026)