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$50,991
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,577
−HK$1,612/mo
Today · 4.125%
HK$54,189
baseline
▲ 0.50% · 4.625%
HK$57,486
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,378/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,727
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,543/mo
Today · 4.125%
HK$59,792
baseline
▲ 0.50% · 4.625%
HK$62,944
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,584/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,189
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,093
−HK$1,934/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,983
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,073
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,898
−HK$1,852/mo
Today · 4.125%
HK$71,750
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$3,783/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,500/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,388
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,608
−HK$2,256/mo
Today · 4.125%
HK$75,864
baseline
▲ 0.50% · 4.625%
HK$80,481
+HK$4,617/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,728/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,418
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,548
−HK$2,161/mo
Today · 4.125%
HK$83,709
baseline
▲ 0.50% · 4.625%
HK$88,121
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,418/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,784
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,639
−HK$2,901/mo
Today · 4.125%
HK$97,540
baseline
▲ 0.50% · 4.625%
HK$103,475
+HK$5,935/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,080/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,109
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,848
−HK$2,778/mo
Today · 4.125%
HK$107,626
baseline
▲ 0.50% · 4.625%
HK$113,299
+HK$5,673/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,252/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,388 · Scale 2, in force from 26 Feb 2026)