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$50,924
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$52,508
−HK$1,609/mo
Today · 4.125%
HK$54,117
baseline
▲ 0.50% · 4.625%
HK$57,410
+HK$3,293/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,234/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,652
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,172
−HK$1,541/mo
Today · 4.125%
HK$59,713
baseline
▲ 0.50% · 4.625%
HK$62,860
+HK$3,147/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,426/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,109
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,009
−HK$1,932/mo
Today · 4.125%
HK$64,941
baseline
▲ 0.50% · 4.625%
HK$68,892
+HK$3,951/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$129,882/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,983
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,806
−HK$1,850/mo
Today · 4.125%
HK$71,656
baseline
▲ 0.50% · 4.625%
HK$75,433
+HK$3,777/mo
Deposit HK$8.93M · loan HK$13.40M · min. income ≈ HK$143,312/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,293
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,511
−HK$2,253/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$80,374
+HK$4,610/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,313
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,440
−HK$2,158/mo
Today · 4.125%
HK$83,598
baseline
▲ 0.50% · 4.625%
HK$88,005
+HK$4,407/mo
Deposit HK$6.70M · loan HK$15.63M · min. income ≈ HK$167,196/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,663
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,514
−HK$2,897/mo
Today · 4.125%
HK$97,411
baseline
▲ 0.50% · 4.625%
HK$103,338
+HK$5,927/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$194,822/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,974
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,709
−HK$2,774/mo
Today · 4.125%
HK$107,483
baseline
▲ 0.50% · 4.625%
HK$113,149
+HK$5,666/mo
Deposit HK$2.23M · loan HK$20.10M · min. income ≈ HK$214,966/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,131 · Scale 2, in force from 26 Feb 2026)