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$51,004
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,590
−HK$1,612/mo
Today · 4.125%
HK$54,202
baseline
▲ 0.50% · 4.625%
HK$57,500
+HK$3,298/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,404/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,741
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,263
−HK$1,544/mo
Today · 4.125%
HK$59,807
baseline
▲ 0.50% · 4.625%
HK$62,959
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,614/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,205
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,108
−HK$1,935/mo
Today · 4.125%
HK$65,043
baseline
▲ 0.50% · 4.625%
HK$69,000
+HK$3,957/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,086/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,089
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,916
−HK$1,852/mo
Today · 4.125%
HK$71,768
baseline
▲ 0.50% · 4.625%
HK$75,551
+HK$3,783/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,536/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,405
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,626
−HK$2,257/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$80,500
+HK$4,617/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,438
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,568
−HK$2,161/mo
Today · 4.125%
HK$83,729
baseline
▲ 0.50% · 4.625%
HK$88,143
+HK$4,414/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,458/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,807
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,663
−HK$2,901/mo
Today · 4.125%
HK$97,564
baseline
▲ 0.50% · 4.625%
HK$103,500
+HK$5,936/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,128/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,134
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,873
−HK$2,779/mo
Today · 4.125%
HK$107,652
baseline
▲ 0.50% · 4.625%
HK$113,327
+HK$5,675/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,304/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,622 · Scale 2, in force from 26 Feb 2026)