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$51,120
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,615/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,631
+HK$3,306/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,870
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,395
−HK$1,548/mo
Today · 4.125%
HK$59,943
baseline
▲ 0.50% · 4.625%
HK$63,102
+HK$3,159/mo
Deposit HK$11.21M · loan HK$11.21M · min. income ≈ HK$119,886/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,344
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,252
−HK$1,938/mo
Today · 4.125%
HK$65,190
baseline
▲ 0.50% · 4.625%
HK$69,157
+HK$3,967/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$130,380/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,244
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,074
−HK$1,857/mo
Today · 4.125%
HK$71,931
baseline
▲ 0.50% · 4.625%
HK$75,723
+HK$3,792/mo
Deposit HK$8.97M · loan HK$13.45M · min. income ≈ HK$143,862/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,568
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,794
−HK$2,262/mo
Today · 4.125%
HK$76,056
baseline
▲ 0.50% · 4.625%
HK$80,683
+HK$4,627/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$152,112/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,618
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,754
−HK$2,166/mo
Today · 4.125%
HK$83,920
baseline
▲ 0.50% · 4.625%
HK$88,343
+HK$4,423/mo
Deposit HK$6.73M · loan HK$15.69M · min. income ≈ HK$167,840/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,015
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,878
−HK$2,908/mo
Today · 4.125%
HK$97,786
baseline
▲ 0.50% · 4.625%
HK$103,736
+HK$5,950/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$195,572/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,366
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,112
−HK$2,785/mo
Today · 4.125%
HK$107,897
baseline
▲ 0.50% · 4.625%
HK$113,584
+HK$5,687/mo
Deposit HK$2.24M · loan HK$20.18M · min. income ≈ HK$215,794/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$952,783 · Scale 2, in force from 26 Feb 2026)