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$50,958
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,543
−HK$1,610/mo
Today · 4.125%
HK$54,153
baseline
▲ 0.50% · 4.625%
HK$57,448
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,306/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,690
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,210
−HK$1,543/mo
Today · 4.125%
HK$59,753
baseline
▲ 0.50% · 4.625%
HK$62,902
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,506/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,149
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,051
−HK$1,933/mo
Today · 4.125%
HK$64,984
baseline
▲ 0.50% · 4.625%
HK$68,938
+HK$3,954/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,968/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,028
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,852
−HK$1,851/mo
Today · 4.125%
HK$71,703
baseline
▲ 0.50% · 4.625%
HK$75,483
+HK$3,780/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,406/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,341
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,560
−HK$2,254/mo
Today · 4.125%
HK$75,814
baseline
▲ 0.50% · 4.625%
HK$80,427
+HK$4,613/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,628/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,366
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,494
−HK$2,160/mo
Today · 4.125%
HK$83,654
baseline
▲ 0.50% · 4.625%
HK$88,063
+HK$4,409/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,308/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,724
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,577
−HK$2,899/mo
Today · 4.125%
HK$97,476
baseline
▲ 0.50% · 4.625%
HK$103,407
+HK$5,931/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,952/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,042
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,778
−HK$2,777/mo
Today · 4.125%
HK$107,555
baseline
▲ 0.50% · 4.625%
HK$113,224
+HK$5,669/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,110/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,761 · Scale 2, in force from 26 Feb 2026)