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$50,983
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,569
−HK$1,612/mo
Today · 4.125%
HK$54,181
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$3,296/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,362/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,719
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,240
−HK$1,543/mo
Today · 4.125%
HK$59,783
baseline
▲ 0.50% · 4.625%
HK$62,934
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,566/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,180
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,934/mo
Today · 4.125%
HK$65,017
baseline
▲ 0.50% · 4.625%
HK$68,973
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,034/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,062
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,888
−HK$1,852/mo
Today · 4.125%
HK$71,740
baseline
▲ 0.50% · 4.625%
HK$75,521
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,480/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,377
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,597
−HK$2,256/mo
Today · 4.125%
HK$75,853
baseline
▲ 0.50% · 4.625%
HK$80,468
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,706/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,406
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,536
−HK$2,160/mo
Today · 4.125%
HK$83,696
baseline
▲ 0.50% · 4.625%
HK$88,108
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,392/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,770
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,625
−HK$2,900/mo
Today · 4.125%
HK$97,525
baseline
▲ 0.50% · 4.625%
HK$103,459
+HK$5,934/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,050/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,093
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,832
−HK$2,777/mo
Today · 4.125%
HK$107,609
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$5,673/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,218/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,243 · Scale 2, in force from 26 Feb 2026)