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$50,954
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,539
−HK$1,610/mo
Today · 4.125%
HK$54,149
baseline
▲ 0.50% · 4.625%
HK$57,444
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,298/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,686
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,206
−HK$1,542/mo
Today · 4.125%
HK$59,748
baseline
▲ 0.50% · 4.625%
HK$62,898
+HK$3,150/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,496/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,145
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,047
−HK$1,932/mo
Today · 4.125%
HK$64,979
baseline
▲ 0.50% · 4.625%
HK$68,933
+HK$3,954/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,958/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,023
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,847
−HK$1,851/mo
Today · 4.125%
HK$71,698
baseline
▲ 0.50% · 4.625%
HK$75,477
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,396/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,335
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,554
−HK$2,255/mo
Today · 4.125%
HK$75,809
baseline
▲ 0.50% · 4.625%
HK$80,422
+HK$4,613/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,618/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,360
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,488
−HK$2,159/mo
Today · 4.125%
HK$83,647
baseline
▲ 0.50% · 4.625%
HK$88,057
+HK$4,410/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,294/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,717
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,570
−HK$2,898/mo
Today · 4.125%
HK$97,468
baseline
▲ 0.50% · 4.625%
HK$103,399
+HK$5,931/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,936/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,034
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,771
−HK$2,776/mo
Today · 4.125%
HK$107,547
baseline
▲ 0.50% · 4.625%
HK$113,216
+HK$5,669/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,094/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,691 · Scale 2, in force from 26 Feb 2026)