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$50,981
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,567
−HK$1,611/mo
Today · 4.125%
HK$54,178
baseline
▲ 0.50% · 4.625%
HK$57,475
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,356/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,716
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,237
−HK$1,544/mo
Today · 4.125%
HK$59,781
baseline
▲ 0.50% · 4.625%
HK$62,932
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,562/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,178
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,081
−HK$1,933/mo
Today · 4.125%
HK$65,014
baseline
▲ 0.50% · 4.625%
HK$68,970
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,028/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,060
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,885
−HK$1,852/mo
Today · 4.125%
HK$71,737
baseline
▲ 0.50% · 4.625%
HK$75,518
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,474/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,374
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,594
−HK$2,256/mo
Today · 4.125%
HK$75,850
baseline
▲ 0.50% · 4.625%
HK$80,465
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,700/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,403
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,532
−HK$2,161/mo
Today · 4.125%
HK$83,693
baseline
▲ 0.50% · 4.625%
HK$88,104
+HK$4,411/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,386/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,767
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,621
−HK$2,900/mo
Today · 4.125%
HK$97,521
baseline
▲ 0.50% · 4.625%
HK$103,455
+HK$5,934/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,042/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,090
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,827
−HK$2,778/mo
Today · 4.125%
HK$107,605
baseline
▲ 0.50% · 4.625%
HK$113,277
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,210/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,206 · Scale 2, in force from 26 Feb 2026)