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$3,197/mo
▼ 0.25% · 3.875%
HK$52,573
−HK$1,611/mo
Today · 4.125%
HK$54,184
baseline
▲ 0.50% · 4.625%
HK$57,481
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,368/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,722
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,243
−HK$1,544/mo
Today · 4.125%
HK$59,787
baseline
▲ 0.50% · 4.625%
HK$62,938
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,574/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,087
−HK$1,934/mo
Today · 4.125%
HK$65,021
baseline
▲ 0.50% · 4.625%
HK$68,977
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,042/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,067
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,892
−HK$1,852/mo
Today · 4.125%
HK$71,744
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$3,782/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,488/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,381
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,602
−HK$2,256/mo
Today · 4.125%
HK$75,858
baseline
▲ 0.50% · 4.625%
HK$80,473
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,716/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,411
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,541
−HK$2,160/mo
Today · 4.125%
HK$83,701
baseline
▲ 0.50% · 4.625%
HK$88,113
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,402/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,776
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,631
−HK$2,900/mo
Today · 4.125%
HK$97,531
baseline
▲ 0.50% · 4.625%
HK$103,466
+HK$5,935/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,062/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,100
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,838
−HK$2,778/mo
Today · 4.125%
HK$107,616
baseline
▲ 0.50% · 4.625%
HK$113,289
+HK$5,673/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,232/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,303 · Scale 2, in force from 26 Feb 2026)