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$50,932
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,517
−HK$1,609/mo
Today · 4.125%
HK$54,126
baseline
▲ 0.50% · 4.625%
HK$57,420
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,252/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,662
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,181
−HK$1,542/mo
Today · 4.125%
HK$59,723
baseline
▲ 0.50% · 4.625%
HK$62,871
+HK$3,148/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,446/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,119
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,020
−HK$1,931/mo
Today · 4.125%
HK$64,951
baseline
▲ 0.50% · 4.625%
HK$68,904
+HK$3,953/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,902/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,994
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,818
−HK$1,849/mo
Today · 4.125%
HK$71,667
baseline
▲ 0.50% · 4.625%
HK$75,445
+HK$3,778/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,334/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,305
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,523
−HK$2,254/mo
Today · 4.125%
HK$75,777
baseline
▲ 0.50% · 4.625%
HK$80,387
+HK$4,610/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,554/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,326
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,454
−HK$2,158/mo
Today · 4.125%
HK$83,612
baseline
▲ 0.50% · 4.625%
HK$88,019
+HK$4,407/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,224/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,678
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,530
−HK$2,897/mo
Today · 4.125%
HK$97,427
baseline
▲ 0.50% · 4.625%
HK$103,355
+HK$5,928/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,854/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,991
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,726
−HK$2,775/mo
Today · 4.125%
HK$107,501
baseline
▲ 0.50% · 4.625%
HK$113,168
+HK$5,667/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$215,002/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,289 · Scale 2, in force from 26 Feb 2026)