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$50,928
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,512
−HK$1,610/mo
Today · 4.125%
HK$54,122
baseline
▲ 0.50% · 4.625%
HK$57,415
+HK$3,293/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,244/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,657
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,176
−HK$1,542/mo
Today · 4.125%
HK$59,718
baseline
▲ 0.50% · 4.625%
HK$62,866
+HK$3,148/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,436/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,114
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,015
−HK$1,931/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,898
+HK$3,952/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,988
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,812
−HK$1,850/mo
Today · 4.125%
HK$71,662
baseline
▲ 0.50% · 4.625%
HK$75,439
+HK$3,777/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,324/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,299
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,517
−HK$2,253/mo
Today · 4.125%
HK$75,770
baseline
▲ 0.50% · 4.625%
HK$80,381
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,540/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,320
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,447
−HK$2,158/mo
Today · 4.125%
HK$83,605
baseline
▲ 0.50% · 4.625%
HK$88,012
+HK$4,407/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,210/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,670
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,522
−HK$2,897/mo
Today · 4.125%
HK$97,419
baseline
▲ 0.50% · 4.625%
HK$103,347
+HK$5,928/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,838/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,982
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,718
−HK$2,774/mo
Today · 4.125%
HK$107,492
baseline
▲ 0.50% · 4.625%
HK$113,158
+HK$5,666/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,984/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,210 · Scale 2, in force from 26 Feb 2026)