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$50,980
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,566
−HK$1,611/mo
Today · 4.125%
HK$54,177
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,354/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,715
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,236
−HK$1,543/mo
Today · 4.125%
HK$59,779
baseline
▲ 0.50% · 4.625%
HK$62,930
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,558/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,177
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,080
−HK$1,933/mo
Today · 4.125%
HK$65,013
baseline
▲ 0.50% · 4.625%
HK$68,969
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,026/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,058
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,884
−HK$1,851/mo
Today · 4.125%
HK$71,735
baseline
▲ 0.50% · 4.625%
HK$75,517
+HK$3,782/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,470/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,373
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,593
−HK$2,255/mo
Today · 4.125%
HK$75,848
baseline
▲ 0.50% · 4.625%
HK$80,464
+HK$4,616/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,696/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,401
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,531
−HK$2,160/mo
Today · 4.125%
HK$83,691
baseline
▲ 0.50% · 4.625%
HK$88,103
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,382/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,765
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,619
−HK$2,900/mo
Today · 4.125%
HK$97,519
baseline
▲ 0.50% · 4.625%
HK$103,453
+HK$5,934/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,038/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,087
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,825
−HK$2,778/mo
Today · 4.125%
HK$107,603
baseline
▲ 0.50% · 4.625%
HK$113,275
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,206/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,188 · Scale 2, in force from 26 Feb 2026)