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$50,961
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,546
−HK$1,611/mo
Today · 4.125%
HK$54,157
baseline
▲ 0.50% · 4.625%
HK$57,452
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,314/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,694
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,214
−HK$1,543/mo
Today · 4.125%
HK$59,757
baseline
▲ 0.50% · 4.625%
HK$62,907
+HK$3,150/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,514/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,153
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,056
−HK$1,932/mo
Today · 4.125%
HK$64,988
baseline
▲ 0.50% · 4.625%
HK$68,943
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,976/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,033
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,857
−HK$1,851/mo
Today · 4.125%
HK$71,708
baseline
▲ 0.50% · 4.625%
HK$75,488
+HK$3,780/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,416/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,346
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,565
−HK$2,255/mo
Today · 4.125%
HK$75,820
baseline
▲ 0.50% · 4.625%
HK$80,433
+HK$4,613/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,640/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,371
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,500
−HK$2,160/mo
Today · 4.125%
HK$83,660
baseline
▲ 0.50% · 4.625%
HK$88,069
+HK$4,409/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,320/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,730
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,584
−HK$2,899/mo
Today · 4.125%
HK$97,483
baseline
▲ 0.50% · 4.625%
HK$103,414
+HK$5,931/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,966/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,049
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,786
−HK$2,776/mo
Today · 4.125%
HK$107,562
baseline
▲ 0.50% · 4.625%
HK$113,232
+HK$5,670/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,124/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,829 · Scale 2, in force from 26 Feb 2026)