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$51,044
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,632
−HK$1,613/mo
Today · 4.125%
HK$54,245
baseline
▲ 0.50% · 4.625%
HK$57,546
+HK$3,301/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,490/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,786
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,309
−HK$1,545/mo
Today · 4.125%
HK$59,854
baseline
▲ 0.50% · 4.625%
HK$63,009
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,708/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,253
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,936/mo
Today · 4.125%
HK$65,094
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,961/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,188/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,143
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,971
−HK$1,854/mo
Today · 4.125%
HK$71,825
baseline
▲ 0.50% · 4.625%
HK$75,611
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,650/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,462
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,685
−HK$2,258/mo
Today · 4.125%
HK$75,943
baseline
▲ 0.50% · 4.625%
HK$80,564
+HK$4,621/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,886/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,500
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,633
−HK$2,163/mo
Today · 4.125%
HK$83,796
baseline
▲ 0.50% · 4.625%
HK$88,213
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,592/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,879
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,737
−HK$2,904/mo
Today · 4.125%
HK$97,641
baseline
▲ 0.50% · 4.625%
HK$103,582
+HK$5,941/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,282/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,215
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,956
−HK$2,781/mo
Today · 4.125%
HK$107,737
baseline
▲ 0.50% · 4.625%
HK$113,416
+HK$5,679/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,474/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,373 · Scale 2, in force from 26 Feb 2026)