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$51,030
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,617
−HK$1,613/mo
Today · 4.125%
HK$54,230
baseline
▲ 0.50% · 4.625%
HK$57,529
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,460/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,770
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,293
−HK$1,544/mo
Today · 4.125%
HK$59,837
baseline
▲ 0.50% · 4.625%
HK$62,991
+HK$3,154/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,674/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,236
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,140
−HK$1,936/mo
Today · 4.125%
HK$65,076
baseline
▲ 0.50% · 4.625%
HK$69,035
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,152/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,124
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,951
−HK$1,854/mo
Today · 4.125%
HK$71,805
baseline
▲ 0.50% · 4.625%
HK$75,590
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,610/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,442
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,664
−HK$2,258/mo
Today · 4.125%
HK$75,922
baseline
▲ 0.50% · 4.625%
HK$80,541
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$151,844/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,478
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,610
−HK$2,162/mo
Today · 4.125%
HK$83,772
baseline
▲ 0.50% · 4.625%
HK$88,188
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.67M · min. income ≈ HK$167,544/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,853
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,711
−HK$2,903/mo
Today · 4.125%
HK$97,614
baseline
▲ 0.50% · 4.625%
HK$103,553
+HK$5,939/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,228/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,186
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,927
−HK$2,780/mo
Today · 4.125%
HK$107,707
baseline
▲ 0.50% · 4.625%
HK$113,384
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,414/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,105 · Scale 2, in force from 26 Feb 2026)