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$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,780
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,303
−HK$1,545/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,003
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,247
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,152
−HK$1,935/mo
Today · 4.125%
HK$65,087
baseline
▲ 0.50% · 4.625%
HK$69,048
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,174/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,136
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,964
−HK$1,854/mo
Today · 4.125%
HK$71,818
baseline
▲ 0.50% · 4.625%
HK$75,603
+HK$3,785/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$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,454
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,677
−HK$2,258/mo
Today · 4.125%
HK$75,935
baseline
▲ 0.50% · 4.625%
HK$80,556
+HK$4,621/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,870/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,492
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,624
−HK$2,163/mo
Today · 4.125%
HK$83,787
baseline
▲ 0.50% · 4.625%
HK$88,204
+HK$4,417/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,574/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,870
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,728
−HK$2,903/mo
Today · 4.125%
HK$97,631
baseline
▲ 0.50% · 4.625%
HK$103,572
+HK$5,941/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,262/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,205
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,946
−HK$2,780/mo
Today · 4.125%
HK$107,726
baseline
▲ 0.50% · 4.625%
HK$113,405
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,452/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,277 · Scale 2, in force from 26 Feb 2026)