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$50,997
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,583
−HK$1,611/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,492
+HK$3,298/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$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,733
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,255
−HK$1,543/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$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,196
−HK$3,837/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$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,080
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,906
−HK$1,852/mo
Today · 4.125%
HK$71,758
baseline
▲ 0.50% · 4.625%
HK$75,540
+HK$3,782/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,516/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,395
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,616
−HK$2,256/mo
Today · 4.125%
HK$75,872
baseline
▲ 0.50% · 4.625%
HK$80,489
+HK$4,617/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,744/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,426
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,557
−HK$2,161/mo
Today · 4.125%
HK$83,718
baseline
▲ 0.50% · 4.625%
HK$88,130
+HK$4,412/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,436/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,794
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,649
−HK$2,901/mo
Today · 4.125%
HK$97,550
baseline
▲ 0.50% · 4.625%
HK$103,486
+HK$5,936/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,100/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,120
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,858
−HK$2,779/mo
Today · 4.125%
HK$107,637
baseline
▲ 0.50% · 4.625%
HK$113,311
+HK$5,674/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,274/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,487 · Scale 2, in force from 26 Feb 2026)