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$50,987
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,573
−HK$1,612/mo
Today · 4.125%
HK$54,185
baseline
▲ 0.50% · 4.625%
HK$57,482
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,370/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,723
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,244
−HK$1,544/mo
Today · 4.125%
HK$59,788
baseline
▲ 0.50% · 4.625%
HK$62,939
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,576/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,185
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,088
−HK$1,934/mo
Today · 4.125%
HK$65,022
baseline
▲ 0.50% · 4.625%
HK$68,978
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,044/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,068
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,893
−HK$1,852/mo
Today · 4.125%
HK$71,745
baseline
▲ 0.50% · 4.625%
HK$75,527
+HK$3,782/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,490/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,382
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,603
−HK$2,256/mo
Today · 4.125%
HK$75,859
baseline
▲ 0.50% · 4.625%
HK$80,474
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,718/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,412
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,542
−HK$2,161/mo
Today · 4.125%
HK$83,703
baseline
▲ 0.50% · 4.625%
HK$88,115
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,406/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,777
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,632
−HK$2,901/mo
Today · 4.125%
HK$97,533
baseline
▲ 0.50% · 4.625%
HK$103,467
+HK$5,934/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,066/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,101
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,840
−HK$2,778/mo
Today · 4.125%
HK$107,618
baseline
▲ 0.50% · 4.625%
HK$113,290
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,236/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,316 · Scale 2, in force from 26 Feb 2026)