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$50,976
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,562
−HK$1,611/mo
Today · 4.125%
HK$54,173
baseline
▲ 0.50% · 4.625%
HK$57,469
+HK$3,296/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,346/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,711
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,232
−HK$1,542/mo
Today · 4.125%
HK$59,774
baseline
▲ 0.50% · 4.625%
HK$62,925
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,548/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,172
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,074
−HK$1,933/mo
Today · 4.125%
HK$65,007
baseline
▲ 0.50% · 4.625%
HK$68,963
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,014/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,053
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,878
−HK$1,851/mo
Today · 4.125%
HK$71,729
baseline
▲ 0.50% · 4.625%
HK$75,510
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,458/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,367
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,587
−HK$2,255/mo
Today · 4.125%
HK$75,842
baseline
▲ 0.50% · 4.625%
HK$80,457
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,684/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,395
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,524
−HK$2,160/mo
Today · 4.125%
HK$83,684
baseline
▲ 0.50% · 4.625%
HK$88,095
+HK$4,411/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,368/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,757
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,611
−HK$2,900/mo
Today · 4.125%
HK$97,511
baseline
▲ 0.50% · 4.625%
HK$103,445
+HK$5,934/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,022/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,079
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,817
−HK$2,777/mo
Today · 4.125%
HK$107,594
baseline
▲ 0.50% · 4.625%
HK$113,265
+HK$5,671/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,188/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,109 · Scale 2, in force from 26 Feb 2026)