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$50,920
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,504
−HK$1,609/mo
Today · 4.125%
HK$54,113
baseline
▲ 0.50% · 4.625%
HK$57,406
+HK$3,293/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,226/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,648
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,167
−HK$1,542/mo
Today · 4.125%
HK$59,709
baseline
▲ 0.50% · 4.625%
HK$62,856
+HK$3,147/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,418/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,104
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,005
−HK$1,931/mo
Today · 4.125%
HK$64,936
baseline
▲ 0.50% · 4.625%
HK$68,887
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,872/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,978
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,801
−HK$1,849/mo
Today · 4.125%
HK$71,650
baseline
▲ 0.50% · 4.625%
HK$75,427
+HK$3,777/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,300/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,288
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,506
−HK$2,253/mo
Today · 4.125%
HK$75,759
baseline
▲ 0.50% · 4.625%
HK$80,368
+HK$4,609/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,518/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,307
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,434
−HK$2,158/mo
Today · 4.125%
HK$83,592
baseline
▲ 0.50% · 4.625%
HK$87,998
+HK$4,406/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,184/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,656
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,507
−HK$2,897/mo
Today · 4.125%
HK$97,404
baseline
▲ 0.50% · 4.625%
HK$103,331
+HK$5,927/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,808/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,967
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,701
−HK$2,775/mo
Today · 4.125%
HK$107,476
baseline
▲ 0.50% · 4.625%
HK$113,141
+HK$5,665/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,952/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,064 · Scale 2, in force from 26 Feb 2026)