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$50,975
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,561
−HK$1,610/mo
Today · 4.125%
HK$54,171
baseline
▲ 0.50% · 4.625%
HK$57,468
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,342/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,709
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,230
−HK$1,543/mo
Today · 4.125%
HK$59,773
baseline
▲ 0.50% · 4.625%
HK$62,924
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,546/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,170
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,073
−HK$1,933/mo
Today · 4.125%
HK$65,006
baseline
▲ 0.50% · 4.625%
HK$68,961
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,012/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,051
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,876
−HK$1,851/mo
Today · 4.125%
HK$71,727
baseline
▲ 0.50% · 4.625%
HK$75,508
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,454/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,365
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,585
−HK$2,255/mo
Today · 4.125%
HK$75,840
baseline
▲ 0.50% · 4.625%
HK$80,455
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,680/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,393
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,522
−HK$2,160/mo
Today · 4.125%
HK$83,682
baseline
▲ 0.50% · 4.625%
HK$88,093
+HK$4,411/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,364/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,755
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,609
−HK$2,900/mo
Today · 4.125%
HK$97,509
baseline
▲ 0.50% · 4.625%
HK$103,442
+HK$5,933/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,018/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,076
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,814
−HK$2,777/mo
Today · 4.125%
HK$107,591
baseline
▲ 0.50% · 4.625%
HK$113,262
+HK$5,671/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,182/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,084 · Scale 2, in force from 26 Feb 2026)