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$51,029
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,616
−HK$1,613/mo
Today · 4.125%
HK$54,229
baseline
▲ 0.50% · 4.625%
HK$57,529
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,458/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,769
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,292
−HK$1,544/mo
Today · 4.125%
HK$59,836
baseline
▲ 0.50% · 4.625%
HK$62,991
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,672/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,235
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,140
−HK$1,935/mo
Today · 4.125%
HK$65,075
baseline
▲ 0.50% · 4.625%
HK$69,035
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,150/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,123
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,950
−HK$1,854/mo
Today · 4.125%
HK$71,804
baseline
▲ 0.50% · 4.625%
HK$75,589
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,608/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,441
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,663
−HK$2,258/mo
Today · 4.125%
HK$75,921
baseline
▲ 0.50% · 4.625%
HK$80,540
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,842/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,609
−HK$2,162/mo
Today · 4.125%
HK$83,771
baseline
▲ 0.50% · 4.625%
HK$88,187
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,542/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,852
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,710
−HK$2,902/mo
Today · 4.125%
HK$97,612
baseline
▲ 0.50% · 4.625%
HK$103,552
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,224/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,185
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,925
−HK$2,781/mo
Today · 4.125%
HK$107,706
baseline
▲ 0.50% · 4.625%
HK$113,383
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,412/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,094 · Scale 2, in force from 26 Feb 2026)