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$50,946
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,531
−HK$1,610/mo
Today · 4.125%
HK$54,141
baseline
▲ 0.50% · 4.625%
HK$57,436
+HK$3,295/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,282/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,677
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,197
−HK$1,542/mo
Today · 4.125%
HK$59,739
baseline
▲ 0.50% · 4.625%
HK$62,888
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,478/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,136
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,037
−HK$1,932/mo
Today · 4.125%
HK$64,969
baseline
▲ 0.50% · 4.625%
HK$68,923
+HK$3,954/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,938/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,013
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,837
−HK$1,850/mo
Today · 4.125%
HK$71,687
baseline
▲ 0.50% · 4.625%
HK$75,466
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,374/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,325
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,544
−HK$2,254/mo
Today · 4.125%
HK$75,798
baseline
▲ 0.50% · 4.625%
HK$80,410
+HK$4,612/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,596/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,348
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,476
−HK$2,159/mo
Today · 4.125%
HK$83,635
baseline
▲ 0.50% · 4.625%
HK$88,044
+HK$4,409/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,270/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,703
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,556
−HK$2,898/mo
Today · 4.125%
HK$97,454
baseline
▲ 0.50% · 4.625%
HK$103,384
+HK$5,930/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,908/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,019
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,755
−HK$2,776/mo
Today · 4.125%
HK$107,531
baseline
▲ 0.50% · 4.625%
HK$113,199
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,062/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,552 · Scale 2, in force from 26 Feb 2026)