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$51,027
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,614
−HK$1,613/mo
Today · 4.125%
HK$54,227
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,454/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,767
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,290
−HK$1,544/mo
Today · 4.125%
HK$59,834
baseline
▲ 0.50% · 4.625%
HK$62,988
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,668/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,137
−HK$1,935/mo
Today · 4.125%
HK$65,072
baseline
▲ 0.50% · 4.625%
HK$69,032
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,144/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$1,854/mo
Today · 4.125%
HK$71,801
baseline
▲ 0.50% · 4.625%
HK$75,586
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,602/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,438
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,660
−HK$2,258/mo
Today · 4.125%
HK$75,918
baseline
▲ 0.50% · 4.625%
HK$80,537
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,836/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,474
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,605
−HK$2,163/mo
Today · 4.125%
HK$83,768
baseline
▲ 0.50% · 4.625%
HK$88,183
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,536/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,849
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,706
−HK$2,902/mo
Today · 4.125%
HK$97,608
baseline
▲ 0.50% · 4.625%
HK$103,548
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,216/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,181
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,921
−HK$2,780/mo
Today · 4.125%
HK$107,701
baseline
▲ 0.50% · 4.625%
HK$113,378
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,402/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,055 · Scale 2, in force from 26 Feb 2026)