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$50,940
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,525
−HK$1,610/mo
Today · 4.125%
HK$54,135
baseline
▲ 0.50% · 4.625%
HK$57,429
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,270/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,671
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,191
−HK$1,541/mo
Today · 4.125%
HK$59,732
baseline
▲ 0.50% · 4.625%
HK$62,881
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,464/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,128
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,030
−HK$1,932/mo
Today · 4.125%
HK$64,962
baseline
▲ 0.50% · 4.625%
HK$68,915
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,924/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,005
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,829
−HK$1,850/mo
Today · 4.125%
HK$71,679
baseline
▲ 0.50% · 4.625%
HK$75,457
+HK$3,778/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,358/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,317
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,535
−HK$2,254/mo
Today · 4.125%
HK$75,789
baseline
▲ 0.50% · 4.625%
HK$80,400
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,578/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,339
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,467
−HK$2,158/mo
Today · 4.125%
HK$83,625
baseline
▲ 0.50% · 4.625%
HK$88,033
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,250/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,693
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,545
−HK$2,898/mo
Today · 4.125%
HK$97,443
baseline
▲ 0.50% · 4.625%
HK$103,372
+HK$5,929/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,886/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,007
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,743
−HK$2,775/mo
Today · 4.125%
HK$107,518
baseline
▲ 0.50% · 4.625%
HK$113,186
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,036/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,441 · Scale 2, in force from 26 Feb 2026)