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$51,048
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,636
−HK$1,614/mo
Today · 4.125%
HK$54,250
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$3,301/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,500/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,791
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,314
−HK$1,545/mo
Today · 4.125%
HK$59,859
baseline
▲ 0.50% · 4.625%
HK$63,014
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,718/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,258
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,936/mo
Today · 4.125%
HK$65,100
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,200/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,149
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,977
−HK$1,854/mo
Today · 4.125%
HK$71,831
baseline
▲ 0.50% · 4.625%
HK$75,617
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,662/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,468
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,691
−HK$2,258/mo
Today · 4.125%
HK$75,949
baseline
▲ 0.50% · 4.625%
HK$80,571
+HK$4,622/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,898/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,507
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,640
−HK$2,163/mo
Today · 4.125%
HK$83,803
baseline
▲ 0.50% · 4.625%
HK$88,220
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,606/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,887
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,745
−HK$2,904/mo
Today · 4.125%
HK$97,649
baseline
▲ 0.50% · 4.625%
HK$103,591
+HK$5,942/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,298/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,224
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,965
−HK$2,781/mo
Today · 4.125%
HK$107,746
baseline
▲ 0.50% · 4.625%
HK$113,426
+HK$5,680/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,492/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,454 · Scale 2, in force from 26 Feb 2026)