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$51,047
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,614/mo
Today · 4.125%
HK$54,249
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,498/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,790
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,313
−HK$1,545/mo
Today · 4.125%
HK$59,858
baseline
▲ 0.50% · 4.625%
HK$63,013
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,716/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,257
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,162
−HK$1,936/mo
Today · 4.125%
HK$65,098
baseline
▲ 0.50% · 4.625%
HK$69,059
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,196/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,148
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,975
−HK$1,855/mo
Today · 4.125%
HK$71,830
baseline
▲ 0.50% · 4.625%
HK$75,616
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,660/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,466
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,689
−HK$2,259/mo
Today · 4.125%
HK$75,948
baseline
▲ 0.50% · 4.625%
HK$80,569
+HK$4,621/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,896/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,506
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,638
−HK$2,163/mo
Today · 4.125%
HK$83,801
baseline
▲ 0.50% · 4.625%
HK$88,218
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,602/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,885
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,744
−HK$2,903/mo
Today · 4.125%
HK$97,647
baseline
▲ 0.50% · 4.625%
HK$103,589
+HK$5,942/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,294/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,222
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,963
−HK$2,781/mo
Today · 4.125%
HK$107,744
baseline
▲ 0.50% · 4.625%
HK$113,424
+HK$5,680/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,488/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,435 · Scale 2, in force from 26 Feb 2026)