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$50,979
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,565
−HK$1,611/mo
Today · 4.125%
HK$54,176
baseline
▲ 0.50% · 4.625%
HK$57,473
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,352/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,714
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,235
−HK$1,543/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$62,929
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,175
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,078
−HK$1,933/mo
Today · 4.125%
HK$65,011
baseline
▲ 0.50% · 4.625%
HK$68,967
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,022/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,057
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,882
−HK$1,852/mo
Today · 4.125%
HK$71,734
baseline
▲ 0.50% · 4.625%
HK$75,515
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,468/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,371
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,591
−HK$2,256/mo
Today · 4.125%
HK$75,847
baseline
▲ 0.50% · 4.625%
HK$80,462
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,694/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,399
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,529
−HK$2,160/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,101
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,763
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,617
−HK$2,900/mo
Today · 4.125%
HK$97,517
baseline
▲ 0.50% · 4.625%
HK$103,451
+HK$5,934/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,034/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,085
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,823
−HK$2,777/mo
Today · 4.125%
HK$107,600
baseline
▲ 0.50% · 4.625%
HK$113,272
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,200/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,164 · Scale 2, in force from 26 Feb 2026)