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$50,950
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$52,534
−HK$1,611/mo
Today · 4.125%
HK$54,145
baseline
▲ 0.50% · 4.625%
HK$57,439
+HK$3,294/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$108,290/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,681
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,201
−HK$1,542/mo
Today · 4.125%
HK$59,743
baseline
▲ 0.50% · 4.625%
HK$62,892
+HK$3,149/mo
Deposit HK$11.17M · loan HK$11.17M · min. income ≈ HK$119,486/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,140
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,041
−HK$1,933/mo
Today · 4.125%
HK$64,974
baseline
▲ 0.50% · 4.625%
HK$68,927
+HK$3,953/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$129,948/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,017
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,841
−HK$1,851/mo
Today · 4.125%
HK$71,692
baseline
▲ 0.50% · 4.625%
HK$75,471
+HK$3,779/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,384/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,329
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,548
−HK$2,254/mo
Today · 4.125%
HK$75,802
baseline
▲ 0.50% · 4.625%
HK$80,415
+HK$4,613/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$151,604/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,353
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,482
−HK$2,159/mo
Today · 4.125%
HK$83,641
baseline
▲ 0.50% · 4.625%
HK$88,049
+HK$4,408/mo
Deposit HK$6.70M · loan HK$15.64M · min. income ≈ HK$167,282/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,709
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,562
−HK$2,898/mo
Today · 4.125%
HK$97,460
baseline
▲ 0.50% · 4.625%
HK$103,390
+HK$5,930/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$194,920/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,026
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,762
−HK$2,776/mo
Today · 4.125%
HK$107,538
baseline
▲ 0.50% · 4.625%
HK$113,206
+HK$5,668/mo
Deposit HK$2.23M · loan HK$20.11M · min. income ≈ HK$215,076/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$949,612 · Scale 2, in force from 26 Feb 2026)