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$50,974
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,560
−HK$1,611/mo
Today · 4.125%
HK$54,171
baseline
▲ 0.50% · 4.625%
HK$57,467
+HK$3,296/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$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,708
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,229
−HK$1,543/mo
Today · 4.125%
HK$59,772
baseline
▲ 0.50% · 4.625%
HK$62,923
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,544/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,169
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,072
−HK$1,933/mo
Today · 4.125%
HK$65,005
baseline
▲ 0.50% · 4.625%
HK$68,960
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,010/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,050
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,875
−HK$1,851/mo
Today · 4.125%
HK$71,726
baseline
▲ 0.50% · 4.625%
HK$75,507
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,452/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,364
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,584
−HK$2,255/mo
Today · 4.125%
HK$75,839
baseline
▲ 0.50% · 4.625%
HK$80,453
+HK$4,614/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,678/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,391
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,521
−HK$2,160/mo
Today · 4.125%
HK$83,681
baseline
▲ 0.50% · 4.625%
HK$88,092
+HK$4,411/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,362/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,753
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,607
−HK$2,900/mo
Today · 4.125%
HK$97,507
baseline
▲ 0.50% · 4.625%
HK$103,440
+HK$5,933/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,014/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,075
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,812
−HK$2,777/mo
Today · 4.125%
HK$107,589
baseline
▲ 0.50% · 4.625%
HK$113,261
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,178/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,068 · Scale 2, in force from 26 Feb 2026)