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$51,031
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,619
−HK$1,612/mo
Today · 4.125%
HK$54,231
baseline
▲ 0.50% · 4.625%
HK$57,531
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,462/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,772
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,294
−HK$1,545/mo
Today · 4.125%
HK$59,839
baseline
▲ 0.50% · 4.625%
HK$62,993
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,678/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,238
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,142
−HK$1,936/mo
Today · 4.125%
HK$65,078
baseline
▲ 0.50% · 4.625%
HK$69,037
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,156/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,126
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,953
−HK$1,854/mo
Today · 4.125%
HK$71,807
baseline
▲ 0.50% · 4.625%
HK$75,592
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,614/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,444
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,666
−HK$2,258/mo
Today · 4.125%
HK$75,924
baseline
▲ 0.50% · 4.625%
HK$80,544
+HK$4,620/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,848/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,480
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,612
−HK$2,163/mo
Today · 4.125%
HK$83,775
baseline
▲ 0.50% · 4.625%
HK$88,190
+HK$4,415/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,550/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,856
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,714
−HK$2,902/mo
Today · 4.125%
HK$97,616
baseline
▲ 0.50% · 4.625%
HK$103,556
+HK$5,940/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,232/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,189
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,930
−HK$2,780/mo
Today · 4.125%
HK$107,710
baseline
▲ 0.50% · 4.625%
HK$113,388
+HK$5,678/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,420/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,134 · Scale 2, in force from 26 Feb 2026)