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$3,197/mo
▼ 0.25% · 3.875%
HK$52,559
−HK$1,611/mo
Today · 4.125%
HK$54,170
baseline
▲ 0.50% · 4.625%
HK$57,466
+HK$3,296/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,340/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,056 · 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$62,922
+HK$3,151/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$950,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,071
−HK$1,933/mo
Today · 4.125%
HK$65,004
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,955/mo
Deposit HK$8.94M · loan HK$13.41M · min. income ≈ HK$130,008/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,049
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,874
−HK$1,851/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$950,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,363
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,583
−HK$2,255/mo
Today · 4.125%
HK$75,838
baseline
▲ 0.50% · 4.625%
HK$80,452
+HK$4,614/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,676/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,390
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,520
−HK$2,160/mo
Today · 4.125%
HK$83,680
baseline
▲ 0.50% · 4.625%
HK$88,090
+HK$4,410/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,360/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,752
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,606
−HK$2,900/mo
Today · 4.125%
HK$97,506
baseline
▲ 0.50% · 4.625%
HK$103,439
+HK$5,933/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,012/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,073
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,811
−HK$2,777/mo
Today · 4.125%
HK$107,588
baseline
▲ 0.50% · 4.625%
HK$113,259
+HK$5,671/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,176/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,056 · Scale 2, in force from 26 Feb 2026)