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$50,948
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,532
−HK$1,610/mo
Today · 4.125%
HK$54,142
baseline
▲ 0.50% · 4.625%
HK$57,437
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,284/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,679
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,199
−HK$1,542/mo
Today · 4.125%
HK$59,741
baseline
▲ 0.50% · 4.625%
HK$62,890
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,482/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,137
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,039
−HK$1,932/mo
Today · 4.125%
HK$64,971
baseline
▲ 0.50% · 4.625%
HK$68,924
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,942/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,014
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,839
−HK$1,850/mo
Today · 4.125%
HK$71,689
baseline
▲ 0.50% · 4.625%
HK$75,468
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,378/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,327
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,545
−HK$2,254/mo
Today · 4.125%
HK$75,799
baseline
▲ 0.50% · 4.625%
HK$80,412
+HK$4,613/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,598/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,350
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,478
−HK$2,159/mo
Today · 4.125%
HK$83,637
baseline
▲ 0.50% · 4.625%
HK$88,046
+HK$4,409/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,274/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,706
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,558
−HK$2,898/mo
Today · 4.125%
HK$97,456
baseline
▲ 0.50% · 4.625%
HK$103,386
+HK$5,930/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,912/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,022
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,758
−HK$2,776/mo
Today · 4.125%
HK$107,534
baseline
▲ 0.50% · 4.625%
HK$113,202
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,068/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,575 · Scale 2, in force from 26 Feb 2026)