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$51,039
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,627
−HK$1,613/mo
Today · 4.125%
HK$54,240
baseline
▲ 0.50% · 4.625%
HK$57,540
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,480/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,545/mo
Today · 4.125%
HK$59,849
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,698/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,247
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,152
−HK$1,936/mo
Today · 4.125%
HK$65,088
baseline
▲ 0.50% · 4.625%
HK$69,049
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,176/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,137
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,964
−HK$1,854/mo
Today · 4.125%
HK$71,818
baseline
▲ 0.50% · 4.625%
HK$75,604
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,636/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,455
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,678
−HK$2,258/mo
Today · 4.125%
HK$75,936
baseline
▲ 0.50% · 4.625%
HK$80,557
+HK$4,621/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,872/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,493
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,625
−HK$2,163/mo
Today · 4.125%
HK$83,788
baseline
▲ 0.50% · 4.625%
HK$88,205
+HK$4,417/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,576/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,871
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,729
−HK$2,903/mo
Today · 4.125%
HK$97,632
baseline
▲ 0.50% · 4.625%
HK$103,573
+HK$5,941/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,264/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,206
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,947
−HK$2,780/mo
Today · 4.125%
HK$107,727
baseline
▲ 0.50% · 4.625%
HK$113,406
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,454/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,286 · Scale 2, in force from 26 Feb 2026)