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$51,018
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,605
−HK$1,612/mo
Today · 4.125%
HK$54,217
baseline
▲ 0.50% · 4.625%
HK$57,516
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,434/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,757
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,279
−HK$1,544/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$62,976
+HK$3,153/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,221
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,126
−HK$1,934/mo
Today · 4.125%
HK$65,060
baseline
▲ 0.50% · 4.625%
HK$69,019
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,120/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,108
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,935
−HK$1,853/mo
Today · 4.125%
HK$71,788
baseline
▲ 0.50% · 4.625%
HK$75,572
+HK$3,784/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,576/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,425
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,646
−HK$2,258/mo
Today · 4.125%
HK$75,904
baseline
▲ 0.50% · 4.625%
HK$80,522
+HK$4,618/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,808/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,459
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,590
−HK$2,162/mo
Today · 4.125%
HK$83,752
baseline
▲ 0.50% · 4.625%
HK$88,167
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,504/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,832
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,688
−HK$2,903/mo
Today · 4.125%
HK$97,591
baseline
▲ 0.50% · 4.625%
HK$103,529
+HK$5,938/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,182/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,162
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,902
−HK$2,780/mo
Today · 4.125%
HK$107,682
baseline
▲ 0.50% · 4.625%
HK$113,358
+HK$5,676/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,364/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,881 · Scale 2, in force from 26 Feb 2026)