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$3,197/mo
▼ 0.25% · 3.875%
HK$52,569
−HK$1,611/mo
Today · 4.125%
HK$54,180
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,360/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,718
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,239
−HK$1,544/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$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,180
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,933/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,062
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,887
−HK$1,852/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$75,521
+HK$3,782/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,376
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,597
−HK$2,255/mo
Today · 4.125%
HK$75,852
baseline
▲ 0.50% · 4.625%
HK$80,468
+HK$4,616/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,704/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,406
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,535
−HK$2,161/mo
Today · 4.125%
HK$83,696
baseline
▲ 0.50% · 4.625%
HK$88,107
+HK$4,411/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$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,770
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,624
−HK$2,900/mo
Today · 4.125%
HK$97,524
baseline
▲ 0.50% · 4.625%
HK$103,459
+HK$5,935/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,048/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,093
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,831
−HK$2,778/mo
Today · 4.125%
HK$107,609
baseline
▲ 0.50% · 4.625%
HK$113,281
+HK$5,672/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$950,238 · Scale 2, in force from 26 Feb 2026)