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$50,892
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,475
−HK$1,609/mo
Today · 4.125%
HK$54,084
baseline
▲ 0.50% · 4.625%
HK$57,374
+HK$3,290/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$108,168/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,617
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,135
−HK$1,541/mo
Today · 4.125%
HK$59,676
baseline
▲ 0.50% · 4.625%
HK$62,821
+HK$3,145/mo
Deposit HK$11.16M · loan HK$11.16M · min. income ≈ HK$119,352/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,071
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,970
−HK$1,930/mo
Today · 4.125%
HK$64,900
baseline
▲ 0.50% · 4.625%
HK$68,849
+HK$3,949/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$129,800/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,940
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,763
−HK$1,848/mo
Today · 4.125%
HK$71,611
baseline
▲ 0.50% · 4.625%
HK$75,386
+HK$3,775/mo
Deposit HK$8.93M · loan HK$13.39M · min. income ≈ HK$143,222/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,249
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,465
−HK$2,252/mo
Today · 4.125%
HK$75,717
baseline
▲ 0.50% · 4.625%
HK$80,324
+HK$4,607/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$151,434/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,264
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,390
−HK$2,156/mo
Today · 4.125%
HK$83,546
baseline
▲ 0.50% · 4.625%
HK$87,950
+HK$4,404/mo
Deposit HK$6.70M · loan HK$15.62M · min. income ≈ HK$167,092/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,606
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,455
−HK$2,895/mo
Today · 4.125%
HK$97,350
baseline
▲ 0.50% · 4.625%
HK$103,274
+HK$5,924/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$194,700/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,911
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,644
−HK$2,773/mo
Today · 4.125%
HK$107,417
baseline
▲ 0.50% · 4.625%
HK$113,079
+HK$5,662/mo
Deposit HK$2.23M · loan HK$20.09M · min. income ≈ HK$214,834/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$948,542 · Scale 2, in force from 26 Feb 2026)