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$50,968
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,553
−HK$1,611/mo
Today · 4.125%
HK$54,164
baseline
▲ 0.50% · 4.625%
HK$57,459
+HK$3,295/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,328/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,701
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,542/mo
Today · 4.125%
HK$59,764
baseline
▲ 0.50% · 4.625%
HK$62,915
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,528/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,161
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,064
−HK$1,932/mo
Today · 4.125%
HK$64,996
baseline
▲ 0.50% · 4.625%
HK$68,951
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,992/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,041
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,866
−HK$1,851/mo
Today · 4.125%
HK$71,717
baseline
▲ 0.50% · 4.625%
HK$75,497
+HK$3,780/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,434/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,574
−HK$2,255/mo
Today · 4.125%
HK$75,829
baseline
▲ 0.50% · 4.625%
HK$80,443
+HK$4,614/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,658/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,381
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,510
−HK$2,160/mo
Today · 4.125%
HK$83,670
baseline
▲ 0.50% · 4.625%
HK$88,080
+HK$4,410/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,340/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,742
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,595
−HK$2,900/mo
Today · 4.125%
HK$97,495
baseline
▲ 0.50% · 4.625%
HK$103,427
+HK$5,932/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$194,990/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,062
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,799
−HK$2,777/mo
Today · 4.125%
HK$107,576
baseline
▲ 0.50% · 4.625%
HK$113,246
+HK$5,670/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,152/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$949,947 · Scale 2, in force from 26 Feb 2026)