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$51,140
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,731
−HK$1,616/mo
Today · 4.125%
HK$54,347
baseline
▲ 0.50% · 4.625%
HK$57,654
+HK$3,307/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,694/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,893
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,418
−HK$1,548/mo
Today · 4.125%
HK$59,966
baseline
▲ 0.50% · 4.625%
HK$63,127
+HK$3,161/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,932/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,368
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,277
−HK$1,939/mo
Today · 4.125%
HK$65,216
baseline
▲ 0.50% · 4.625%
HK$69,184
+HK$3,968/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$130,432/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,102
−HK$1,858/mo
Today · 4.125%
HK$71,960
baseline
▲ 0.50% · 4.625%
HK$75,753
+HK$3,793/mo
Deposit HK$8.97M · loan HK$13.46M · min. income ≈ HK$143,920/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,596
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,823
−HK$2,262/mo
Today · 4.125%
HK$76,085
baseline
▲ 0.50% · 4.625%
HK$80,715
+HK$4,630/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$152,170/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,650
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,786
−HK$2,167/mo
Today · 4.125%
HK$83,953
baseline
▲ 0.50% · 4.625%
HK$88,378
+HK$4,425/mo
Deposit HK$6.73M · loan HK$15.70M · min. income ≈ HK$167,906/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,052
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,915
−HK$2,909/mo
Today · 4.125%
HK$97,824
baseline
▲ 0.50% · 4.625%
HK$103,777
+HK$5,953/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,648/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,407
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,153
−HK$2,786/mo
Today · 4.125%
HK$107,939
baseline
▲ 0.50% · 4.625%
HK$113,629
+HK$5,690/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,878/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$953,158 · Scale 2, in force from 26 Feb 2026)