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$51,025
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,612
−HK$1,613/mo
Today · 4.125%
HK$54,225
baseline
▲ 0.50% · 4.625%
HK$57,524
+HK$3,299/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,450/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$58,287
−HK$1,545/mo
Today · 4.125%
HK$59,832
baseline
▲ 0.50% · 4.625%
HK$62,985
+HK$3,153/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,664/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,230
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,135
−HK$1,935/mo
Today · 4.125%
HK$65,070
baseline
▲ 0.50% · 4.625%
HK$69,029
+HK$3,959/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,140/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,118
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,945
−HK$1,853/mo
Today · 4.125%
HK$71,798
baseline
▲ 0.50% · 4.625%
HK$75,583
+HK$3,785/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,596/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,435
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$2,258/mo
Today · 4.125%
HK$75,915
baseline
▲ 0.50% · 4.625%
HK$80,534
+HK$4,619/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$151,830/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,471
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,602
−HK$2,162/mo
Today · 4.125%
HK$83,764
baseline
▲ 0.50% · 4.625%
HK$88,180
+HK$4,416/mo
Deposit HK$6.71M · loan HK$15.66M · min. income ≈ HK$167,528/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,845
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,702
−HK$2,903/mo
Today · 4.125%
HK$97,605
baseline
▲ 0.50% · 4.625%
HK$103,544
+HK$5,939/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$195,210/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,177
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,917
−HK$2,780/mo
Today · 4.125%
HK$107,697
baseline
▲ 0.50% · 4.625%
HK$113,374
+HK$5,677/mo
Deposit HK$2.24M · loan HK$20.14M · min. income ≈ HK$215,394/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,018 · Scale 2, in force from 26 Feb 2026)