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$51,050
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,638
−HK$1,614/mo
Today · 4.125%
HK$54,252
baseline
▲ 0.50% · 4.625%
HK$57,553
+HK$3,301/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,504/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,793
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,316
−HK$1,545/mo
Today · 4.125%
HK$59,861
baseline
▲ 0.50% · 4.625%
HK$63,017
+HK$3,156/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,722/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,260
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,166
−HK$1,936/mo
Today · 4.125%
HK$65,102
baseline
▲ 0.50% · 4.625%
HK$69,063
+HK$3,961/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$130,204/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,152
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,979
−HK$1,855/mo
Today · 4.125%
HK$71,834
baseline
▲ 0.50% · 4.625%
HK$75,620
+HK$3,786/mo
Deposit HK$8.96M · loan HK$13.43M · min. income ≈ HK$143,668/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,470
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,694
−HK$2,258/mo
Today · 4.125%
HK$75,952
baseline
▲ 0.50% · 4.625%
HK$80,574
+HK$4,622/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,904/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,510
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,643
−HK$2,163/mo
Today · 4.125%
HK$83,806
baseline
▲ 0.50% · 4.625%
HK$88,223
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,612/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,891
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,749
−HK$2,904/mo
Today · 4.125%
HK$97,653
baseline
▲ 0.50% · 4.625%
HK$103,595
+HK$5,942/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,306/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,227
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,969
−HK$2,781/mo
Today · 4.125%
HK$107,750
baseline
▲ 0.50% · 4.625%
HK$113,430
+HK$5,680/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,500/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,489 · Scale 2, in force from 26 Feb 2026)