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$51,033
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,621
−HK$1,613/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,774
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,297
−HK$1,544/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$62,996
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,240
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,145
−HK$1,935/mo
Today · 4.125%
HK$65,080
baseline
▲ 0.50% · 4.625%
HK$69,040
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,160/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,129
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,956
−HK$1,854/mo
Today · 4.125%
HK$71,810
baseline
▲ 0.50% · 4.625%
HK$75,595
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,620/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,669
−HK$2,258/mo
Today · 4.125%
HK$75,927
baseline
▲ 0.50% · 4.625%
HK$80,547
+HK$4,620/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,854/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,484
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,616
−HK$2,162/mo
Today · 4.125%
HK$83,778
baseline
▲ 0.50% · 4.625%
HK$88,194
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,556/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,860
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,718
−HK$2,903/mo
Today · 4.125%
HK$97,621
baseline
▲ 0.50% · 4.625%
HK$103,561
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,242/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,193
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,934
−HK$2,781/mo
Today · 4.125%
HK$107,715
baseline
▲ 0.50% · 4.625%
HK$113,392
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,430/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,174 · Scale 2, in force from 26 Feb 2026)