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$50,959
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,544
−HK$1,611/mo
Today · 4.125%
HK$54,155
baseline
▲ 0.50% · 4.625%
HK$57,450
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,310/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,692
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,212
−HK$1,543/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$62,904
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,151
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,053
−HK$1,933/mo
Today · 4.125%
HK$64,986
baseline
▲ 0.50% · 4.625%
HK$68,940
+HK$3,954/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,972/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,030
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,855
−HK$1,851/mo
Today · 4.125%
HK$71,706
baseline
▲ 0.50% · 4.625%
HK$75,485
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,412/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,343
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,562
−HK$2,255/mo
Today · 4.125%
HK$75,817
baseline
▲ 0.50% · 4.625%
HK$80,430
+HK$4,613/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,634/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,368
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,497
−HK$2,159/mo
Today · 4.125%
HK$83,656
baseline
▲ 0.50% · 4.625%
HK$88,066
+HK$4,410/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,312/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,727
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,580
−HK$2,899/mo
Today · 4.125%
HK$97,479
baseline
▲ 0.50% · 4.625%
HK$103,410
+HK$5,931/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,958/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,045
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,782
−HK$2,776/mo
Today · 4.125%
HK$107,558
baseline
▲ 0.50% · 4.625%
HK$113,228
+HK$5,670/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,116/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,794 · Scale 2, in force from 26 Feb 2026)