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$51,034
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,622
−HK$1,612/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,775
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,544/mo
Today · 4.125%
HK$59,842
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,684/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,241
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,146
−HK$1,935/mo
Today · 4.125%
HK$65,081
baseline
▲ 0.50% · 4.625%
HK$69,041
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,162/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,130
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,957
−HK$1,854/mo
Today · 4.125%
HK$71,811
baseline
▲ 0.50% · 4.625%
HK$75,596
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,622/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,448
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$2,258/mo
Today · 4.125%
HK$75,928
baseline
▲ 0.50% · 4.625%
HK$80,548
+HK$4,620/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,856/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,485
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,617
−HK$2,162/mo
Today · 4.125%
HK$83,779
baseline
▲ 0.50% · 4.625%
HK$88,195
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,558/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,861
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,719
−HK$2,903/mo
Today · 4.125%
HK$97,622
baseline
▲ 0.50% · 4.625%
HK$103,562
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,244/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,195
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,936
−HK$2,780/mo
Today · 4.125%
HK$107,716
baseline
▲ 0.50% · 4.625%
HK$113,394
+HK$5,678/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,432/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,187 · Scale 2, in force from 26 Feb 2026)