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$51,009
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,596
−HK$1,612/mo
Today · 4.125%
HK$54,208
baseline
▲ 0.50% · 4.625%
HK$57,506
+HK$3,298/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$108,416/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,747
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,544/mo
Today · 4.125%
HK$59,813
baseline
▲ 0.50% · 4.625%
HK$62,966
+HK$3,153/mo
Deposit HK$11.18M · loan HK$11.18M · min. income ≈ HK$119,626/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,211
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,115
−HK$1,935/mo
Today · 4.125%
HK$65,050
baseline
▲ 0.50% · 4.625%
HK$69,008
+HK$3,958/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$130,100/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,097
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,923
−HK$1,853/mo
Today · 4.125%
HK$71,776
baseline
▲ 0.50% · 4.625%
HK$75,559
+HK$3,783/mo
Deposit HK$8.95M · loan HK$13.42M · min. income ≈ HK$143,552/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,413
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,634
−HK$2,257/mo
Today · 4.125%
HK$75,891
baseline
▲ 0.50% · 4.625%
HK$80,509
+HK$4,618/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,782/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,446
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,577
−HK$2,161/mo
Today · 4.125%
HK$83,738
baseline
▲ 0.50% · 4.625%
HK$88,152
+HK$4,414/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,476/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,817
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,673
−HK$2,901/mo
Today · 4.125%
HK$97,574
baseline
▲ 0.50% · 4.625%
HK$103,511
+HK$5,937/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$195,148/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,145
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,884
−HK$2,780/mo
Today · 4.125%
HK$107,664
baseline
▲ 0.50% · 4.625%
HK$113,339
+HK$5,675/mo
Deposit HK$2.24M · loan HK$20.13M · min. income ≈ HK$215,328/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$950,723 · Scale 2, in force from 26 Feb 2026)