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$50,996
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,582
−HK$1,612/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,491
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,732
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,254
−HK$1,544/mo
Today · 4.125%
HK$59,798
baseline
▲ 0.50% · 4.625%
HK$62,950
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,596/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,195
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,099
−HK$1,934/mo
Today · 4.125%
HK$65,033
baseline
▲ 0.50% · 4.625%
HK$68,990
+HK$3,957/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,066/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,079
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,905
−HK$1,852/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$75,539
+HK$3,782/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,394
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,615
−HK$2,256/mo
Today · 4.125%
HK$75,871
baseline
▲ 0.50% · 4.625%
HK$80,488
+HK$4,617/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,742/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,425
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,556
−HK$2,161/mo
Today · 4.125%
HK$83,717
baseline
▲ 0.50% · 4.625%
HK$88,129
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,434/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,793
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,648
−HK$2,901/mo
Today · 4.125%
HK$97,549
baseline
▲ 0.50% · 4.625%
HK$103,485
+HK$5,936/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,098/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,118
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,857
−HK$2,779/mo
Today · 4.125%
HK$107,636
baseline
▲ 0.50% · 4.625%
HK$113,309
+HK$5,673/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,272/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,476 · Scale 2, in force from 26 Feb 2026)