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$51,022
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,609
−HK$1,613/mo
Today · 4.125%
HK$54,222
baseline
▲ 0.50% · 4.625%
HK$57,521
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,444/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,762
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,284
−HK$1,545/mo
Today · 4.125%
HK$59,829
baseline
▲ 0.50% · 4.625%
HK$62,982
+HK$3,153/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,658/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,227
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,131
−HK$1,935/mo
Today · 4.125%
HK$65,066
baseline
▲ 0.50% · 4.625%
HK$69,025
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,132/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,114
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,941
−HK$1,853/mo
Today · 4.125%
HK$71,794
baseline
▲ 0.50% · 4.625%
HK$75,579
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,588/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,431
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,653
−HK$2,258/mo
Today · 4.125%
HK$75,911
baseline
▲ 0.50% · 4.625%
HK$80,530
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,822/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,467
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,598
−HK$2,162/mo
Today · 4.125%
HK$83,760
baseline
▲ 0.50% · 4.625%
HK$88,175
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,520/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,840
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,697
−HK$2,902/mo
Today · 4.125%
HK$97,599
baseline
▲ 0.50% · 4.625%
HK$103,538
+HK$5,939/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,198/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,171
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,912
−HK$2,779/mo
Today · 4.125%
HK$107,691
baseline
▲ 0.50% · 4.625%
HK$113,368
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,382/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,968 · Scale 2, in force from 26 Feb 2026)