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$51,023
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,610
−HK$1,613/mo
Today · 4.125%
HK$54,223
baseline
▲ 0.50% · 4.625%
HK$57,522
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,446/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,763
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,285
−HK$1,544/mo
Today · 4.125%
HK$59,829
baseline
▲ 0.50% · 4.625%
HK$62,983
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,658/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,228
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,132
−HK$1,935/mo
Today · 4.125%
HK$65,067
baseline
▲ 0.50% · 4.625%
HK$69,026
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,134/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,115
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,942
−HK$1,853/mo
Today · 4.125%
HK$71,795
baseline
▲ 0.50% · 4.625%
HK$75,579
+HK$3,784/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,590/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,432
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,654
−HK$2,258/mo
Today · 4.125%
HK$75,912
baseline
▲ 0.50% · 4.625%
HK$80,531
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,824/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,468
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,599
−HK$2,162/mo
Today · 4.125%
HK$83,761
baseline
▲ 0.50% · 4.625%
HK$88,176
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,522/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,841
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,698
−HK$2,903/mo
Today · 4.125%
HK$97,601
baseline
▲ 0.50% · 4.625%
HK$103,539
+HK$5,938/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,202/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,173
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,913
−HK$2,780/mo
Today · 4.125%
HK$107,693
baseline
▲ 0.50% · 4.625%
HK$113,369
+HK$5,676/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,386/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,979 · Scale 2, in force from 26 Feb 2026)