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$50,985
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,571
−HK$1,611/mo
Today · 4.125%
HK$54,182
baseline
▲ 0.50% · 4.625%
HK$57,479
+HK$3,297/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,364/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,721
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,242
−HK$1,543/mo
Today · 4.125%
HK$59,785
baseline
▲ 0.50% · 4.625%
HK$62,936
+HK$3,151/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,570/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,085
−HK$1,934/mo
Today · 4.125%
HK$65,019
baseline
▲ 0.50% · 4.625%
HK$68,975
+HK$3,956/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$130,038/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,065
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,890
−HK$1,852/mo
Today · 4.125%
HK$71,742
baseline
▲ 0.50% · 4.625%
HK$75,524
+HK$3,782/mo
Deposit HK$8.94M · loan HK$13.42M · min. income ≈ HK$143,484/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,379
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,600
−HK$2,255/mo
Today · 4.125%
HK$75,855
baseline
▲ 0.50% · 4.625%
HK$80,471
+HK$4,616/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$151,710/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,409
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,538
−HK$2,161/mo
Today · 4.125%
HK$83,699
baseline
▲ 0.50% · 4.625%
HK$88,111
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.65M · min. income ≈ HK$167,398/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,773
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,628
−HK$2,900/mo
Today · 4.125%
HK$97,528
baseline
▲ 0.50% · 4.625%
HK$103,463
+HK$5,935/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$195,056/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,097
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,835
−HK$2,778/mo
Today · 4.125%
HK$107,613
baseline
▲ 0.50% · 4.625%
HK$113,285
+HK$5,672/mo
Deposit HK$2.24M · loan HK$20.12M · min. income ≈ HK$215,226/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,276 · Scale 2, in force from 26 Feb 2026)