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$51,035
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,622
−HK$1,613/mo
Today · 4.125%
HK$54,235
baseline
▲ 0.50% · 4.625%
HK$57,535
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,470/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,776
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,545/mo
Today · 4.125%
HK$59,843
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,686/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,242
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,147
−HK$1,935/mo
Today · 4.125%
HK$65,082
baseline
▲ 0.50% · 4.625%
HK$69,042
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,164/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,131
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,958
−HK$1,854/mo
Today · 4.125%
HK$71,812
baseline
▲ 0.50% · 4.625%
HK$75,597
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,624/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,449
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,671
−HK$2,258/mo
Today · 4.125%
HK$75,929
baseline
▲ 0.50% · 4.625%
HK$80,549
+HK$4,620/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,858/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,486
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,618
−HK$2,162/mo
Today · 4.125%
HK$83,780
baseline
▲ 0.50% · 4.625%
HK$88,196
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,560/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,862
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,720
−HK$2,903/mo
Today · 4.125%
HK$97,623
baseline
▲ 0.50% · 4.625%
HK$103,563
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,246/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,196
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,937
−HK$2,780/mo
Today · 4.125%
HK$107,717
baseline
▲ 0.50% · 4.625%
HK$113,395
+HK$5,678/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,434/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,198 · Scale 2, in force from 26 Feb 2026)