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$50,940
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,524
−HK$1,610/mo
Today · 4.125%
HK$54,134
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,268/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,670
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,190
−HK$1,541/mo
Today · 4.125%
HK$59,731
baseline
▲ 0.50% · 4.625%
HK$62,880
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,462/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,128
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,029
−HK$1,932/mo
Today · 4.125%
HK$64,961
baseline
▲ 0.50% · 4.625%
HK$68,913
+HK$3,952/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$129,922/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,004
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,828
−HK$1,850/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$75,456
+HK$3,778/mo
Deposit HK$8.94M · loan HK$13.40M · min. income ≈ HK$143,356/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,315
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,534
−HK$2,254/mo
Today · 4.125%
HK$75,788
baseline
▲ 0.50% · 4.625%
HK$80,399
+HK$4,611/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,576/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,338
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,465
−HK$2,159/mo
Today · 4.125%
HK$83,624
baseline
▲ 0.50% · 4.625%
HK$88,032
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,248/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,691
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,543
−HK$2,898/mo
Today · 4.125%
HK$97,441
baseline
▲ 0.50% · 4.625%
HK$103,370
+HK$5,929/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,882/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,006
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,741
−HK$2,776/mo
Today · 4.125%
HK$107,517
baseline
▲ 0.50% · 4.625%
HK$113,184
+HK$5,667/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,034/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,426 · Scale 2, in force from 26 Feb 2026)