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$50,992
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,578
−HK$1,612/mo
Today · 4.125%
HK$54,190
baseline
▲ 0.50% · 4.625%
HK$57,487
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,380/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,728
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,544/mo
Today · 4.125%
HK$59,793
baseline
▲ 0.50% · 4.625%
HK$62,945
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,586/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,190
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,094
−HK$1,933/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,957/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,074
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$1,852/mo
Today · 4.125%
HK$71,751
baseline
▲ 0.50% · 4.625%
HK$75,534
+HK$3,783/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,502/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,389
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,609
−HK$2,256/mo
Today · 4.125%
HK$75,865
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,617/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,730/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,419
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,549
−HK$2,161/mo
Today · 4.125%
HK$83,710
baseline
▲ 0.50% · 4.625%
HK$88,122
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,420/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,785
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,641
−HK$2,900/mo
Today · 4.125%
HK$97,541
baseline
▲ 0.50% · 4.625%
HK$103,476
+HK$5,935/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,082/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,110
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,849
−HK$2,778/mo
Today · 4.125%
HK$107,627
baseline
▲ 0.50% · 4.625%
HK$113,300
+HK$5,673/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,254/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,401 · Scale 2, in force from 26 Feb 2026)