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$51,038
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,625
−HK$1,613/mo
Today · 4.125%
HK$54,238
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,476/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,779
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,302
−HK$1,545/mo
Today · 4.125%
HK$59,847
baseline
▲ 0.50% · 4.625%
HK$63,001
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,694/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,245
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,936/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,135
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,962
−HK$1,854/mo
Today · 4.125%
HK$71,816
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,632/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,453
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,675
−HK$2,258/mo
Today · 4.125%
HK$75,933
baseline
▲ 0.50% · 4.625%
HK$80,554
+HK$4,621/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,866/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,490
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,622
−HK$2,163/mo
Today · 4.125%
HK$83,785
baseline
▲ 0.50% · 4.625%
HK$88,202
+HK$4,417/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,570/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,868
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,725
−HK$2,904/mo
Today · 4.125%
HK$97,629
baseline
▲ 0.50% · 4.625%
HK$103,569
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,258/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,202
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,943
−HK$2,781/mo
Today · 4.125%
HK$107,724
baseline
▲ 0.50% · 4.625%
HK$113,402
+HK$5,678/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,448/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,254 · Scale 2, in force from 26 Feb 2026)