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$57,512
+HK$3,299/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$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,753
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,275
−HK$1,544/mo
Today · 4.125%
HK$59,819
baseline
▲ 0.50% · 4.625%
HK$62,972
+HK$3,153/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,638/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,217
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,121
−HK$1,935/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,958/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,930
−HK$1,853/mo
Today · 4.125%
HK$71,783
baseline
▲ 0.50% · 4.625%
HK$75,566
+HK$3,783/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,566/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,420
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,641
−HK$2,257/mo
Today · 4.125%
HK$75,898
baseline
▲ 0.50% · 4.625%
HK$80,517
+HK$4,619/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$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,454
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,585
−HK$2,161/mo
Today · 4.125%
HK$83,746
baseline
▲ 0.50% · 4.625%
HK$88,161
+HK$4,415/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$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,825
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,682
−HK$2,902/mo
Today · 4.125%
HK$97,584
baseline
▲ 0.50% · 4.625%
HK$103,521
+HK$5,937/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,168/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,155
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,895
−HK$2,779/mo
Today · 4.125%
HK$107,674
baseline
▲ 0.50% · 4.625%
HK$113,350
+HK$5,676/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,348/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,814 · Scale 2, in force from 26 Feb 2026)