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$51,043
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,631
−HK$1,613/mo
Today · 4.125%
HK$54,244
baseline
▲ 0.50% · 4.625%
HK$57,544
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,488/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,785
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,545/mo
Today · 4.125%
HK$59,853
baseline
▲ 0.50% · 4.625%
HK$63,008
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,706/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,252
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,157
−HK$1,936/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$69,053
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,142
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,969
−HK$1,854/mo
Today · 4.125%
HK$71,823
baseline
▲ 0.50% · 4.625%
HK$75,609
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,646/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,683
−HK$2,258/mo
Today · 4.125%
HK$75,941
baseline
▲ 0.50% · 4.625%
HK$80,562
+HK$4,621/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,882/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,499
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,631
−HK$2,163/mo
Today · 4.125%
HK$83,794
baseline
▲ 0.50% · 4.625%
HK$88,211
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,588/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,877
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,735
−HK$2,904/mo
Today · 4.125%
HK$97,639
baseline
▲ 0.50% · 4.625%
HK$103,580
+HK$5,941/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,278/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,213
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,954
−HK$2,781/mo
Today · 4.125%
HK$107,735
baseline
▲ 0.50% · 4.625%
HK$113,414
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,470/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,354 · Scale 2, in force from 26 Feb 2026)