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$50,973
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,559
−HK$1,610/mo
Today · 4.125%
HK$54,169
baseline
▲ 0.50% · 4.625%
HK$57,466
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,338/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,707
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,228
−HK$1,543/mo
Today · 4.125%
HK$59,771
baseline
▲ 0.50% · 4.625%
HK$62,921
+HK$3,150/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,542/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,933/mo
Today · 4.125%
HK$65,003
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,006/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,873
−HK$1,852/mo
Today · 4.125%
HK$71,725
baseline
▲ 0.50% · 4.625%
HK$75,506
+HK$3,781/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$143,450/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,362
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,582
−HK$2,255/mo
Today · 4.125%
HK$75,837
baseline
▲ 0.50% · 4.625%
HK$80,452
+HK$4,615/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,674/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,390
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,519
−HK$2,160/mo
Today · 4.125%
HK$83,679
baseline
▲ 0.50% · 4.625%
HK$88,090
+HK$4,411/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,358/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,751
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,605
−HK$2,900/mo
Today · 4.125%
HK$97,505
baseline
▲ 0.50% · 4.625%
HK$103,438
+HK$5,933/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,010/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,073
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,810
−HK$2,777/mo
Today · 4.125%
HK$107,587
baseline
▲ 0.50% · 4.625%
HK$113,258
+HK$5,671/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,174/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,049 · Scale 2, in force from 26 Feb 2026)