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$50,787
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,367
−HK$1,605/mo
Today · 4.125%
HK$53,972
baseline
▲ 0.50% · 4.625%
HK$57,256
+HK$3,284/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$107,944/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,500
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,016
−HK$1,537/mo
Today · 4.125%
HK$59,553
baseline
▲ 0.50% · 4.625%
HK$62,692
+HK$3,139/mo
Deposit HK$11.14M · loan HK$11.14M · min. income ≈ HK$119,106/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,945
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,841
−HK$1,926/mo
Today · 4.125%
HK$64,767
baseline
▲ 0.50% · 4.625%
HK$68,708
+HK$3,941/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$129,534/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,801
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,619
−HK$1,845/mo
Today · 4.125%
HK$71,464
baseline
▲ 0.50% · 4.625%
HK$75,231
+HK$3,767/mo
Deposit HK$8.91M · loan HK$13.36M · min. income ≈ HK$142,928/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,102
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,314
−HK$2,247/mo
Today · 4.125%
HK$75,561
baseline
▲ 0.50% · 4.625%
HK$80,159
+HK$4,598/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$151,122/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,101
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,222
−HK$2,152/mo
Today · 4.125%
HK$83,374
baseline
▲ 0.50% · 4.625%
HK$87,769
+HK$4,395/mo
Deposit HK$6.68M · loan HK$15.59M · min. income ≈ HK$166,748/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,417
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,261
−HK$2,889/mo
Today · 4.125%
HK$97,150
baseline
▲ 0.50% · 4.625%
HK$103,061
+HK$5,911/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$194,300/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,701
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,428
−HK$2,767/mo
Today · 4.125%
HK$107,195
baseline
▲ 0.50% · 4.625%
HK$112,846
+HK$5,651/mo
Deposit HK$2.23M · loan HK$20.05M · min. income ≈ HK$214,390/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$946,589 · Scale 2, in force from 26 Feb 2026)