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$51,020
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,607
−HK$1,612/mo
Today · 4.125%
HK$54,219
baseline
▲ 0.50% · 4.625%
HK$57,518
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,438/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,759
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,281
−HK$1,544/mo
Today · 4.125%
HK$59,825
baseline
▲ 0.50% · 4.625%
HK$62,979
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,650/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,223
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,128
−HK$1,935/mo
Today · 4.125%
HK$65,063
baseline
▲ 0.50% · 4.625%
HK$69,022
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,126/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,110
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,937
−HK$1,853/mo
Today · 4.125%
HK$71,790
baseline
▲ 0.50% · 4.625%
HK$75,574
+HK$3,784/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,580/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,427
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,649
−HK$2,257/mo
Today · 4.125%
HK$75,906
baseline
▲ 0.50% · 4.625%
HK$80,525
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,812/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,462
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,593
−HK$2,162/mo
Today · 4.125%
HK$83,755
baseline
▲ 0.50% · 4.625%
HK$88,170
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,510/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,835
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,692
−HK$2,902/mo
Today · 4.125%
HK$97,594
baseline
▲ 0.50% · 4.625%
HK$103,532
+HK$5,938/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,188/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,166
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,906
−HK$2,779/mo
Today · 4.125%
HK$107,685
baseline
▲ 0.50% · 4.625%
HK$113,362
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,370/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,915 · Scale 2, in force from 26 Feb 2026)