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$51,090
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$52,679
−HK$1,615/mo
Today · 4.125%
HK$54,294
baseline
▲ 0.50% · 4.625%
HK$57,597
+HK$3,303/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$108,588/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,837
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,547/mo
Today · 4.125%
HK$59,908
baseline
▲ 0.50% · 4.625%
HK$63,066
+HK$3,158/mo
Deposit HK$11.20M · loan HK$11.20M · min. income ≈ HK$119,816/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,308
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,215
−HK$1,937/mo
Today · 4.125%
HK$65,152
baseline
▲ 0.50% · 4.625%
HK$69,117
+HK$3,965/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$130,304/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,204
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,034
−HK$1,855/mo
Today · 4.125%
HK$71,889
baseline
▲ 0.50% · 4.625%
HK$75,679
+HK$3,790/mo
Deposit HK$8.96M · loan HK$13.44M · min. income ≈ HK$143,778/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,526
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,751
−HK$2,260/mo
Today · 4.125%
HK$76,011
baseline
▲ 0.50% · 4.625%
HK$80,636
+HK$4,625/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$152,022/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,572
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,706
−HK$2,165/mo
Today · 4.125%
HK$83,871
baseline
▲ 0.50% · 4.625%
HK$88,292
+HK$4,421/mo
Deposit HK$6.72M · loan HK$15.68M · min. income ≈ HK$167,742/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,962
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,822
−HK$2,907/mo
Today · 4.125%
HK$97,729
baseline
▲ 0.50% · 4.625%
HK$103,675
+HK$5,946/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$195,458/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,307
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,050
−HK$2,784/mo
Today · 4.125%
HK$107,834
baseline
▲ 0.50% · 4.625%
HK$113,518
+HK$5,684/mo
Deposit HK$2.24M · loan HK$20.16M · min. income ≈ HK$215,668/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,228 · Scale 2, in force from 26 Feb 2026)