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$50,993
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,579
−HK$1,612/mo
Today · 4.125%
HK$54,191
baseline
▲ 0.50% · 4.625%
HK$57,488
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,382/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,729
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,251
−HK$1,543/mo
Today · 4.125%
HK$59,794
baseline
▲ 0.50% · 4.625%
HK$62,946
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,588/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,192
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,095
−HK$1,934/mo
Today · 4.125%
HK$65,029
baseline
▲ 0.50% · 4.625%
HK$68,986
+HK$3,957/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,058/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,075
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,901
−HK$1,852/mo
Today · 4.125%
HK$71,753
baseline
▲ 0.50% · 4.625%
HK$75,535
+HK$3,782/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,506/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,390
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,611
−HK$2,256/mo
Today · 4.125%
HK$75,867
baseline
▲ 0.50% · 4.625%
HK$80,483
+HK$4,616/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,734/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,421
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,551
−HK$2,161/mo
Today · 4.125%
HK$83,712
baseline
▲ 0.50% · 4.625%
HK$88,124
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,424/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,787
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,643
−HK$2,900/mo
Today · 4.125%
HK$97,543
baseline
▲ 0.50% · 4.625%
HK$103,479
+HK$5,936/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,086/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,113
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,851
−HK$2,778/mo
Today · 4.125%
HK$107,629
baseline
▲ 0.50% · 4.625%
HK$113,303
+HK$5,674/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,258/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,422 · Scale 2, in force from 26 Feb 2026)