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$50,944
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,529
−HK$1,610/mo
Today · 4.125%
HK$54,139
baseline
▲ 0.50% · 4.625%
HK$57,433
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,278/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,675
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,195
−HK$1,542/mo
Today · 4.125%
HK$59,737
baseline
▲ 0.50% · 4.625%
HK$62,885
+HK$3,148/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,474/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,133
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,932/mo
Today · 4.125%
HK$64,966
baseline
▲ 0.50% · 4.625%
HK$68,919
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,932/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,010
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,834
−HK$1,850/mo
Today · 4.125%
HK$71,684
baseline
▲ 0.50% · 4.625%
HK$75,463
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,368/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,322
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,540
−HK$2,254/mo
Today · 4.125%
HK$75,794
baseline
▲ 0.50% · 4.625%
HK$80,406
+HK$4,612/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,588/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,345
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,473
−HK$2,158/mo
Today · 4.125%
HK$83,631
baseline
▲ 0.50% · 4.625%
HK$88,040
+HK$4,409/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,262/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,699
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,552
−HK$2,898/mo
Today · 4.125%
HK$97,450
baseline
▲ 0.50% · 4.625%
HK$103,379
+HK$5,929/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,900/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,014
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,750
−HK$2,776/mo
Today · 4.125%
HK$107,526
baseline
▲ 0.50% · 4.625%
HK$113,194
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,052/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,508 · Scale 2, in force from 26 Feb 2026)