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$50,930
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,515
−HK$1,609/mo
Today · 4.125%
HK$54,124
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,248/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,660
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,179
−HK$1,542/mo
Today · 4.125%
HK$59,721
baseline
▲ 0.50% · 4.625%
HK$62,869
+HK$3,148/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,442/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,117
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,018
−HK$1,931/mo
Today · 4.125%
HK$64,949
baseline
▲ 0.50% · 4.625%
HK$68,901
+HK$3,952/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,898/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,992
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,815
−HK$1,850/mo
Today · 4.125%
HK$71,665
baseline
▲ 0.50% · 4.625%
HK$75,442
+HK$3,777/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,330/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,303
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,521
−HK$2,253/mo
Today · 4.125%
HK$75,774
baseline
▲ 0.50% · 4.625%
HK$80,385
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,548/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,323
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,451
−HK$2,158/mo
Today · 4.125%
HK$83,609
baseline
▲ 0.50% · 4.625%
HK$88,016
+HK$4,407/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,218/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,675
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,526
−HK$2,898/mo
Today · 4.125%
HK$97,424
baseline
▲ 0.50% · 4.625%
HK$103,352
+HK$5,928/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,848/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,987
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,723
−HK$2,774/mo
Today · 4.125%
HK$107,497
baseline
▲ 0.50% · 4.625%
HK$113,164
+HK$5,667/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,994/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,255 · Scale 2, in force from 26 Feb 2026)