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$50,989
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,575
−HK$1,611/mo
Today · 4.125%
HK$54,186
baseline
▲ 0.50% · 4.625%
HK$57,483
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,372/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,725
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,246
−HK$1,543/mo
Today · 4.125%
HK$59,789
baseline
▲ 0.50% · 4.625%
HK$62,941
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,578/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,187
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,090
−HK$1,934/mo
Today · 4.125%
HK$65,024
baseline
▲ 0.50% · 4.625%
HK$68,980
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,048/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,069
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,895
−HK$1,852/mo
Today · 4.125%
HK$71,747
baseline
▲ 0.50% · 4.625%
HK$75,529
+HK$3,782/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,494/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,384
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,605
−HK$2,256/mo
Today · 4.125%
HK$75,861
baseline
▲ 0.50% · 4.625%
HK$80,477
+HK$4,616/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,722/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,414
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,544
−HK$2,161/mo
Today · 4.125%
HK$83,705
baseline
▲ 0.50% · 4.625%
HK$88,117
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,410/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,780
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,635
−HK$2,900/mo
Today · 4.125%
HK$97,535
baseline
▲ 0.50% · 4.625%
HK$103,470
+HK$5,935/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,070/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,104
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,843
−HK$2,778/mo
Today · 4.125%
HK$107,621
baseline
▲ 0.50% · 4.625%
HK$113,293
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,242/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,343 · Scale 2, in force from 26 Feb 2026)