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$51,223
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,816
−HK$1,619/mo
Today · 4.125%
HK$54,435
baseline
▲ 0.50% · 4.625%
HK$57,747
+HK$3,312/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$108,870/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,985
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,513
−HK$1,551/mo
Today · 4.125%
HK$60,064
baseline
▲ 0.50% · 4.625%
HK$63,230
+HK$3,166/mo
Deposit HK$11.23M · loan HK$11.23M · min. income ≈ HK$120,128/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,467
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,379
−HK$1,943/mo
Today · 4.125%
HK$65,322
baseline
▲ 0.50% · 4.625%
HK$69,297
+HK$3,975/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$130,644/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,382
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,216
−HK$1,860/mo
Today · 4.125%
HK$72,076
baseline
▲ 0.50% · 4.625%
HK$75,876
+HK$3,800/mo
Deposit HK$8.99M · loan HK$13.48M · min. income ≈ HK$144,152/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,712
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,943
−HK$2,266/mo
Today · 4.125%
HK$76,209
baseline
▲ 0.50% · 4.625%
HK$80,846
+HK$4,637/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$152,418/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,779
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,918
−HK$2,171/mo
Today · 4.125%
HK$84,089
baseline
▲ 0.50% · 4.625%
HK$88,521
+HK$4,432/mo
Deposit HK$6.74M · loan HK$15.72M · min. income ≈ HK$168,178/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,201
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,069
−HK$2,914/mo
Today · 4.125%
HK$97,983
baseline
▲ 0.50% · 4.625%
HK$103,945
+HK$5,962/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$195,966/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,573
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,324
−HK$2,790/mo
Today · 4.125%
HK$108,114
baseline
▲ 0.50% · 4.625%
HK$113,813
+HK$5,699/mo
Deposit HK$2.25M · loan HK$20.22M · min. income ≈ HK$216,228/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$954,705 · Scale 2, in force from 26 Feb 2026)