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$51,111
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,616/mo
Today · 4.125%
HK$54,316
baseline
▲ 0.50% · 4.625%
HK$57,621
+HK$3,305/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,632/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,860
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,385
−HK$1,547/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,091
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,333
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,240
−HK$1,939/mo
Today · 4.125%
HK$65,179
baseline
▲ 0.50% · 4.625%
HK$69,145
+HK$3,966/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,358/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,232
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,062
−HK$1,856/mo
Today · 4.125%
HK$71,918
baseline
▲ 0.50% · 4.625%
HK$75,709
+HK$3,791/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,836/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,555
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,781
−HK$2,261/mo
Today · 4.125%
HK$76,042
baseline
▲ 0.50% · 4.625%
HK$80,669
+HK$4,627/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$152,084/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,604
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,739
−HK$2,166/mo
Today · 4.125%
HK$83,905
baseline
▲ 0.50% · 4.625%
HK$88,327
+HK$4,422/mo
Deposit HK$6.72M · loan HK$15.69M · min. income ≈ HK$167,810/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,999
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,861
−HK$2,907/mo
Today · 4.125%
HK$97,768
baseline
▲ 0.50% · 4.625%
HK$103,717
+HK$5,949/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$195,536/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,348
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,093
−HK$2,784/mo
Today · 4.125%
HK$107,877
baseline
▲ 0.50% · 4.625%
HK$113,564
+HK$5,687/mo
Deposit HK$2.24M · loan HK$20.17M · min. income ≈ HK$215,754/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,612 · Scale 2, in force from 26 Feb 2026)