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$50,964
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,549
−HK$1,611/mo
Today · 4.125%
HK$54,160
baseline
▲ 0.50% · 4.625%
HK$57,456
+HK$3,296/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,320/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,697
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,218
−HK$1,542/mo
Today · 4.125%
HK$59,760
baseline
▲ 0.50% · 4.625%
HK$62,910
+HK$3,150/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,520/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,157
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,059
−HK$1,933/mo
Today · 4.125%
HK$64,992
baseline
▲ 0.50% · 4.625%
HK$68,947
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,984/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,037
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,861
−HK$1,851/mo
Today · 4.125%
HK$71,712
baseline
▲ 0.50% · 4.625%
HK$75,492
+HK$3,780/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,424/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,350
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,569
−HK$2,255/mo
Today · 4.125%
HK$75,824
baseline
▲ 0.50% · 4.625%
HK$80,438
+HK$4,614/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,648/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,376
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,505
−HK$2,159/mo
Today · 4.125%
HK$83,664
baseline
▲ 0.50% · 4.625%
HK$88,074
+HK$4,410/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,328/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,736
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,589
−HK$2,899/mo
Today · 4.125%
HK$97,488
baseline
▲ 0.50% · 4.625%
HK$103,420
+HK$5,932/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$194,976/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,055
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,792
−HK$2,777/mo
Today · 4.125%
HK$107,569
baseline
▲ 0.50% · 4.625%
HK$113,239
+HK$5,670/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,138/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,884 · Scale 2, in force from 26 Feb 2026)