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$51,005
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,591
−HK$1,612/mo
Today · 4.125%
HK$54,203
baseline
▲ 0.50% · 4.625%
HK$57,501
+HK$3,298/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,406/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,742
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,264
−HK$1,544/mo
Today · 4.125%
HK$59,808
baseline
▲ 0.50% · 4.625%
HK$62,960
+HK$3,152/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,616/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,206
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,109
−HK$1,935/mo
Today · 4.125%
HK$65,044
baseline
▲ 0.50% · 4.625%
HK$69,002
+HK$3,958/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,088/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,091
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,917
−HK$1,852/mo
Today · 4.125%
HK$71,769
baseline
▲ 0.50% · 4.625%
HK$75,552
+HK$3,783/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,538/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,407
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,628
−HK$2,256/mo
Today · 4.125%
HK$75,884
baseline
▲ 0.50% · 4.625%
HK$80,502
+HK$4,618/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,768/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,439
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,570
−HK$2,161/mo
Today · 4.125%
HK$83,731
baseline
▲ 0.50% · 4.625%
HK$88,145
+HK$4,414/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,462/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,808
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,664
−HK$2,902/mo
Today · 4.125%
HK$97,566
baseline
▲ 0.50% · 4.625%
HK$103,502
+HK$5,936/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,132/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,136
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,875
−HK$2,779/mo
Today · 4.125%
HK$107,654
baseline
▲ 0.50% · 4.625%
HK$113,329
+HK$5,675/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,308/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,639 · Scale 2, in force from 26 Feb 2026)