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$51,045
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,633
−HK$1,613/mo
Today · 4.125%
HK$54,246
baseline
▲ 0.50% · 4.625%
HK$57,546
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,492/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,787
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,310
−HK$1,545/mo
Today · 4.125%
HK$59,855
baseline
▲ 0.50% · 4.625%
HK$63,010
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,710/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,254
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,159
−HK$1,936/mo
Today · 4.125%
HK$65,095
baseline
▲ 0.50% · 4.625%
HK$69,056
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,190/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,144
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,972
−HK$1,854/mo
Today · 4.125%
HK$71,826
baseline
▲ 0.50% · 4.625%
HK$75,612
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,652/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,463
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,686
−HK$2,258/mo
Today · 4.125%
HK$75,944
baseline
▲ 0.50% · 4.625%
HK$80,565
+HK$4,621/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,888/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,502
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,634
−HK$2,163/mo
Today · 4.125%
HK$83,797
baseline
▲ 0.50% · 4.625%
HK$88,214
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,594/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,881
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,739
−HK$2,903/mo
Today · 4.125%
HK$97,642
baseline
▲ 0.50% · 4.625%
HK$103,584
+HK$5,942/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,284/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,216
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,958
−HK$2,781/mo
Today · 4.125%
HK$107,739
baseline
▲ 0.50% · 4.625%
HK$113,418
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,478/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,386 · Scale 2, in force from 26 Feb 2026)