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$51,014
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,601
−HK$1,612/mo
Today · 4.125%
HK$54,213
baseline
▲ 0.50% · 4.625%
HK$57,511
+HK$3,298/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,426/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,752
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,274
−HK$1,544/mo
Today · 4.125%
HK$59,818
baseline
▲ 0.50% · 4.625%
HK$62,971
+HK$3,153/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,636/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,216
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,121
−HK$1,934/mo
Today · 4.125%
HK$65,055
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,110/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,929
−HK$1,853/mo
Today · 4.125%
HK$71,782
baseline
▲ 0.50% · 4.625%
HK$75,566
+HK$3,784/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,564/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,419
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,641
−HK$2,257/mo
Today · 4.125%
HK$75,898
baseline
▲ 0.50% · 4.625%
HK$80,516
+HK$4,618/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,796/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,453
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,584
−HK$2,162/mo
Today · 4.125%
HK$83,746
baseline
▲ 0.50% · 4.625%
HK$88,160
+HK$4,414/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,492/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,825
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,681
−HK$2,902/mo
Today · 4.125%
HK$97,583
baseline
▲ 0.50% · 4.625%
HK$103,521
+HK$5,938/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,166/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,154
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,894
−HK$2,779/mo
Today · 4.125%
HK$107,673
baseline
▲ 0.50% · 4.625%
HK$113,349
+HK$5,676/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,346/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,807 · Scale 2, in force from 26 Feb 2026)